A: MyCreditCounselor.org helps you establish an affordable monthly payment plan by negotiating directly with your creditors. We can often lower interest rates, re-age past due accounts and stop late payments. 

Q: How many bills will I pay each month?

A: You pay just one bill for all of your unsecured creditors. This one payment is conveniently made to MyCreditCounselor.org and then we disperse this money to your creditors through a regulated trust account.

Q: How many creditors can I include?

Because MyCreditCounselor.org maintains such a fast, efficient and friendly service, there is no limit placed on how many creditors you can include. We'll take all of your unsecured accounts.

Q: How do I start?

A: You can start immediately by filling out our fax, online or telephone application.

Q: Will my creditors ever stop calling and harassing me?

It usually takes about 2-3 months for your creditors to update their records and realize you are a client of MyCreditCounselor.org. In the meantime, if a creditor calls you, you have the right to tell them not to call you under the Fair Debt Collection Act and tell them to call us.

Q: How do I know if you are a legitimate organization?

A: MyCreditCounselor.org is the official site of the National Association of Credit Counseling. The NACC is a nonprofit organization listed under 501 (c) (3) of the U.S. tax code. We are also a proud member of the Better Business Bureau.

Have you seen an example of our estimated savings?