Consumer
Debt Counselors
Consumer Debt Counselors recognizes that when you seek solutions to your financial situation, you have choices. You chose us, and for that that, we are truly grateful for the opportunity to be able to assist you.
Consumer Debt Counselors provides financial education, credit counseling, debt management programs, bankruptcy counseling, debtor education, housing counseling, and student loan advisement services. You are not obligated to use any or all of these services.
As a non-profit company, Consumer Debt Counselors firmly believes that the ability to pay for services should not stand between you and the help that you need. We always make every effort that any contributions that we request from our clients be both modest and affordable.
Initial counseling consultations are provided at no charge.
* Where state law limits monthly expense contributions and/or set-up contributions to a lesser amount, state law shall prevail.
† Monthly expense contributions vary based on the number of accounts included in the Debt Management Program and the client's ability to pay.
‡ There is no additional charge to complete the course jointly as a couple or for the generation of certificates.
Consumers have the right to negotiate a reasonable alternative payment schedule with regard to unsecured consumer debt. Consumer Debt Counselors can assist clients with setting up an alternative payment schedule such as a debt management program. If we are unable to provide a service needed by a client, we will refer him or her to another approved agency.
Consumer Debt Counselors does not notify credit reporting bureaus of your participation in credit counseling. Also, we will not inform your creditors unless you elect to pursue a course of action that requires us to do so, such as a debt management plan (DMP). Participating in a DMP will not have any adverse effect on your credit score, and, by the end of the term, will be a beneficial factor in terms of your credit. Filing for bankruptcy may negatively affect your credit score and access to credit. Our counselors will be happy to discuss the consequences of either of these decisions with you.
Consumer Debt Counselors, Inc. is approved to issue certificates in compliance with the Bankruptcy Code. UST has reviewed only the agency's counseling/instructional services and has neither reviewed nor approved other services the agency may provide.
Our team of qualified counselors is trained and certified by the U.S. Department of Housing and Urban Development's (HUD) Office of Housing Counseling (OHC) and the National Foundation for Credit Counseling (NFCC). Each counselor can be trusted with personal financial information, and all are qualified to help clients step-by-step make important choices about their finances.
Most of the funding for Consumer Debt Counselors' financial counseling services and the debt management program (DMP) comes from a combination of grants and voluntary contributions. Some of these contributions are from creditors who participate in our DMP. We neither pay nor receive referral fees for the referral of clients, except under a fair share agreement.Most of our contributions come from clients.Your creditors will always credit your accounts with 100% of the amount you pay through Consumer Debt Counselors. Additionally, we will always be willing to work with all of your creditors, regardless of whether they are contributors to our organization or not.
Consumer Debt Counselors, Inc. may disclose some client information to EOUST in connection with their oversight of Consumer Debt Counselors. Disclosure of client information may also be made during the investigation of complaints, during on-site visits by the EOUST or during quality of service reviews.For more detailed information on how Consumer Debt Counselors handles personal information, please see our Consumer Privacy and Security Policy.
Consumer Debt Counselors is proud to serve all members of the community. One of our corporate values is respect for and encouragement of the diversity around us.We do not engage in discrimination in the selection and participation of clients in our programs or services regarding race, ethnicity, religion, gender identity, sexual orientation, or ability status.
We are committed to providing you with professional service that is always empathetic, honest, transparent, and accountable. If at any time you are unsatisfied, please let us know.
We recommend that you start by speaking directly to the staff member involved. We value direct communication, and we empower our team to assist you in resolving most issues.
If you are not satisfied with your response, please submit a formal complaint via our website so that we have a record of your problem. We will direct your message to the staff member's supervisor, and you will receive a call back within one business day.
From there, should you still be dissatisfied, you may appeal to our CEO, George Janas, in writing at 831 West Morse Blvd., Winter Park, FL 32789. After a brief fact-finding period, which may require more information from you, our CEO will provide a final decision.
Consumer Debt Counselors recognizes that when you seek solutions to your financial situation, you have choices. You chose us, and for that that, we are truly grateful for the opportunity to be able to assist you.
Consumer Debt Counselors provides financial education, credit counseling, debt management programs, bankruptcy counseling, debtor education, housing counseling, and student loan advisement services. You are not obligated to use any or all of these services.