A
American Consumer Credit Counseling, Inc.
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BBB: NR
Consumer Debt Counselors, Inc in Winter Park, FL
No stored Google rating available.
ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.
Data compiled from public sources
Consumer Debt Counselors, Inc Review
Consumer Debt Counselors, Inc. is a nonprofit consumer credit counseling agency that has operated for over 25 years, helping Americans address debt and financial challenges. The organization is ISO-9001:2015 accredited, maintains an A+ Better Business Bureau rating, and employs HUD-approved housing counselors and bankruptcy-certified advisors.
The company offers comprehensive financial wellness services including debt relief counseling, student loan analysis, housing and mortgage guidance, bankruptcy information and referrals, and listed planning for chronic illness financial management and Medicare selection. All initial consultations are free and confidential, with certified counselors available to develop personalized financial plans. They leverage their nonprofit status to negotiate hardship programs with major lenders and explore offers in compromise for charged-off accounts.
Consumer Debt Counselors distinguishes itself through multi-decade experience, professional accreditations, and a holistic approach that separates immediate financial needs from long-term aspirations. They provide education on all available options rather than pushing a single solution, and offer listed services beyond basic debt counseling, including down payment assistance guidance and mortgage restructuring advice. Client reviews consistently praise specific counselors by name and highlight practical, results-oriented guidance.
The primary limitation is that as a counseling-focused nonprofit, they do not directly provide loans, debt settlement, or credit repair services—they guide clients toward these options through referrals and education. Their strength lies in unbiased financial education and access to hardship programs, making them most valuable for consumers seeking guidance before committing to any major financial decision.
Services & Features
Bankruptcy education and attorney referrals with certificate issuance
Budget development and financial goal alignment planning
Chronic illness financial strategy development
Credit preparation for homeownership
Debt relief counseling and hardship program negotiation with lenders
Down payment assistance qualification review
Free financial wellness consultations with certified credit counselors
HUD-approved housing counseling for home purchase preparation and mortgage issues
Medicare plan selection and comparison guidance
Mortgage modification and restructuring option review
Offer in compromise negotiation for charged-off accounts
Student loan debt analysis and repayment strategy guidance
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Free and confidential initial consultations with no commitment required
- ISO-9001:2015 accredited nonprofit agency with A+ Better Business Bureau rating
- HUD-approved housing counselors for pre- and post-purchase guidance
- Bankruptcy Code-approved to issue certificates for bankruptcy filers
- Leverages nonprofit status to access hardship programs and negotiate with major lenders
- Personalized financial plans addressing debt relief, budgeting, student loans, and homeownership
- Over 25 years of experience with consistently positive client reviews naming specific counselors
Cons
- Does not directly provide debt settlement, consolidation loans, or credit repair services—operates primarily as an advisor and referral service
- Relies on client self-reporting and cooperation; outcomes depend heavily on client follow-through
- Limited geographic service details not specified on website; unclear which states or regions are fully served
State Consumer Finance Context
This is state-level context for Free Help consumers in Winter Park, FL. It does not confirm that Consumer Debt Counselors, Inc or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Key state rules to check
- Payday loans (deferred presentment) capped at $500 with maximum fee of $10 per $100 ($300) or $15 per $100 ($300-$500).
- Borrowers can have only one outstanding payday loan at a time, tracked via a statewide database.
- A mandatory 24-hour cooling-off period is required between payday loans.
Complaint resources
- Florida Office of Financial Regulation (OFR) - State Regulator
- Florida Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Consumer Debt Counselors, Inc offer?
Consumer Debt Counselors, Inc offers 12 services including Free financial wellness consultations with certified credit counselors, Debt relief counseling and hardship program negotiation with lenders, Student loan debt analysis and repayment strategy guidance, HUD-approved housing counseling for home purchase preparation and mortgage issues, Mortgage modification and restructuring option review, and 7 more.
What profile signals are listed for Consumer Debt Counselors, Inc?
Consumer Debt Counselors, Inc has profile signals associated with Consumers overwhelmed by debt who need free guidance before committing to debt settlement or consolidation, First-time homebuyers seeking HUD-approved counseling on credit preparation and down payment assistance, Individuals considering bankruptcy who need unbiased information and referrals to qualified attorneys.
What are the strengths and weaknesses of Consumer Debt Counselors, Inc?
Key strengths: Free and confidential initial consultations with no commitment required; ISO-9001:2015 accredited nonprofit agency with A+ Better Business Bureau rating; HUD-approved housing counselors for pre- and post-purchase guidance. Areas to consider: Does not directly provide debt settlement, consolidation loans, or credit repair services—operates primarily as an advisor and referral service; Relies on client self-reporting and cooperation; outcomes depend heavily on client follow-through.
How does Consumer Debt Counselors, Inc compare to similar companies?
In the Free Help category, comparable providers include American Consumer Credit Counseling, Inc., Nanakuli Housing Corporation, Consumer Credit Counseling Services. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- Winter Park, FL
- BBB Accredited
- No
- Certifications
- HUD-Approved
CreditDoc Profile Note
Research Note on Consumer Debt Counselors, Inc
Consumer Debt Counselors is profile signals for consumers seeking unbiased, free financial guidance and education before committing to debt management solutions. The critical caveat is that they function as advisors and referral services rather than direct service providers—they educate and guide but do not settle debts, issue loans, or repair credit reports themselves.
Profile Signals
- Consumers overwhelmed by debt who need free guidance before committing to debt settlement or consolidation
- First-time homebuyers seeking HUD-approved counseling on credit preparation and down payment assistance
- Individuals considering bankruptcy who need unbiased information and referrals to qualified attorneys
Updated 2026-04-29
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Quick Summary
- Consumer Debt Counselors, Inc is listed as a Free Help provider in Winter Park, FL on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
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