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Non-profit credit counseling organization offering debt management plans, housing counseling, and financial education through certified personal finance counselors.
Data compiled from public sources
DebtHelper is a non-profit organization providing credit and debt solutions primarily through certified personal finance counselors. The organization operates under the name Credit Card Management Services, Inc and maintains dual websites at DebtHelper.com and ReversemortgageHelper.org, indicating a focus on serving both younger adults with credit debt and seniors seeking reverse mortgage guidance. The organization positions itself as a reported alternative to commercial debt relief companies, emphasizing its non-profit status and compliance with bankruptcy code requirements.
The organization's core service is debt management planning, where counselors work with financially distressed clients to negotiate lower interest rates, reduced monthly payments, and fee suspensions directly with creditors. Beyond debt management, DebtHelper offers comprehensive housing counseling services including reverse mortgage counseling for seniors 62+, first-time homebuyer education, foreclosure assistance, and down payment assistance programs. The organization also provides financial education courses compliant with bankruptcy code requirements, bankruptcy counseling and education, budget analysis, credit analysis, and payday loan debt assistance guidance. Free consultations and budget reviews are available to all consumers regardless of program enrollment.
DebtHelper distinguishes itself through its non-profit structure, certified counselor staff, and multi-service approach addressing both credit issues and housing-related financial challenges. The organization serves geographically diverse clients (mentioning South Florida community seminars) and maintains compliance with regulatory requirements for bankruptcy education providers. Notably, the organization prominently features client testimonials showing tangible results: average monthly payment reductions from $1,516 to $371 and interest rate drops from 24.99% to 0% through their debt management plans.
The primary limitation is that DebtHelper operates as a debt management provider rather than offering immediate debt reduction or settlement services. Results are dependent on creditor cooperation in negotiating terms, and eligibility requires demonstrated financial hardship. The organization's effectiveness relies heavily on client commitment to the agreed payment plan. Limited information is available about success rates, average timeline to debt resolution, or the percentage of applicants approved for their programs.
This is state-level context for Free Help consumers in West Palm Beach, FL. It does not confirm that Credit Card Mgmt Svcs, Inc Dba Reversemortgagehelper.Org and Debthelper.Com or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Credit Card Mgmt Svcs, Inc Dba Reversemortgagehelper.Org and Debthelper.Com offers 12 services including Debt Management Plans with creditor negotiation, Credit Card Consolidation and interest rate reduction, Free Budget Analysis and Credit Counseling, Reverse Mortgage Counseling (ages 62+), Housing Counseling and Homebuyer Education, and 7 more.
Credit Card Mgmt Svcs, Inc Dba Reversemortgagehelper.Org and Debthelper.Com has profile signals associated with Consumers behind on credit card payments seeking to avoid bankruptcy through structured repayment, Seniors 62+ exploring reverse mortgage options and housing-related financial decisions, First-time homebuyers needing education and down payment assistance programs, Financially distressed individuals needing free budget analysis before committing to any program.
Key strengths: Non-profit organization with no financial incentive to recommend unnecessary services; Certified personal finance counselors provide personalized debt management plans rather than one-size-fits-all solutions; All initial consultations and budget reviews are listed with no monthly subscription and confidential. Areas to consider: Debt management plans depend on creditor willingness to negotiate—approval is not guaranteed; No information provided about acceptance rates or percentage of applicants approved for plans.
In the Free Help category, comparable providers include Consolidated Credit, Consumer Debt Counselors, Inc., Incharge Debt Solutions. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
DebtHelper is profile signals for consumers currently struggling with credit card debt who want to work with a non-profit organization to negotiate lower payments and interest rates directly with creditors. The primary caveat is that debt management plans require creditor cooperation and consumer commitment to a multi-year payment plan—results are not guaranteed and the organization does not provide immediate debt reduction or settlement like commercial debt relief companies.
Nonprofit credit counseling agency offering free counseling, debt management programs, and HUD-approved housing help. Rated 4.7/5 from 9,144 reviews.
Profile signals: People with $10,000+ in credit card debt who want structured repayment without settlement, Homeowners or prospective buyers needing HUD-certified housing or foreclosure counseling
ISO-9001 accredited nonprofit credit counseling agency offering free consultations, debt management, and HUD-approved housing counseling to help consumers achieve financial stability.
Google rating from 87 reviews
Profile signals: Consumers seeking free, unbiased debt management education and budget counseling, Homebuyers needing pre-purchase credit preparation and down payment assistance guidance
InCharge Debt Solutions is a 27-year-old Orlando-based 501(c)(3) nonprofit offering free credit counseling, debt management programs ($32-34/mo), and HUD-certified housing counseling. 3.2 million clients served, $3.4 billion in debt repaid.
Profile signals: Consumers with $5,000+ in credit card debt who can afford monthly payments but need lower interest rates to make real progress, Individuals seeking free, certified nonprofit financial counseling before deciding on any debt strategy
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