Housing Pre Purchase

This course will instruct you on how to determine your price range before shopping for a home, understand the additional costs to include when purchasing a home, and determine what your budget is for all your housing costs.

Buying a First Home

Listen as our CredAbilityU experts answer the question financial tips on is now the right time to buy a house?

Buying Insurance

Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

Change Your Financial Fate

In this course, you will learn several methods to build a workable plan to pay-off your debts quickly. You will learn how to prioritize your debts and pay-off secured as well as unsecured debts. Also, we will show you how to effectively track your spending and pay-off your debt and live free of debt.

read more at Housing Pre Purchase

Bankruptcy Pre Filing Counseling

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

Bankruptcy 101: What Every Consumer Should Know
Learn what it is, how to spot the early warning signs and the differences between Chapter 7 and Chapter 13. Plus, find out how filing can affect your financial life and how to avoid bankruptcy.

Buying Insurance
Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

read more: Bankruptcy Pre Filing Counseling

Bankruptcy Debtor Education

I can help you learn what you need.

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

Conquering Credit Challenges

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

read more at Bankruptcy Debtor Education

Budget And Credit Counseling

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

Fair Credit Reporting

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

Fair Debt Collection

If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

Read more at Budget And Credit Counseling

Bankruptcy Counseling

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

Get started with your bankruptcy pre-filing counseling.

We are glad you chose CredAbility to begin your bankruptcy pre-filing counseling session. We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

Fighting Back Scams Part I

Taken from our Fighting Back Senior Scams class, Avoiding Scams Part I will address how to recognize consumer fraud schemes, detect and prevent identity theft, and identify mortgage-related abuses.

Fully Covered

Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.

read more at Bankruptcy Counseling

Debt Management Plan

Getting into debt can happen to anybody. It can start with a job loss, a medical crisis, a natural disaster or even life in general. No one is immune. But once your debt starts to mount, don't rely on just anybody to get you out of trouble.

Become debt-free sooner than you think.

Through our Debt Management Plans (DMP), you can pay off your credit cards, lower your interest rates, eliminate fees and put an end to collection calls - forever. Sound like a plan? Good, because our Certified Credit Counselors can help you get out of debt in four simple steps.

Importance of Saving

Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

read more at Debt Management Plan

Free Debt Management Plan

It's free. It's confidential. And all it takes is a couple of minutes. To get out of debt sooner than you think.

CredAbility has helped thousands of people get out of debt. Why should you be any different?

For those clients living in the following states or territories: Indiana, Minnesota, North Dakota, Puerto Rico, or the Virgin Islands, we are able to provide Budget and Credit counseling – as well as our other counseling services, but are not able to offer a Debt Management Plan. We can, however, provide you with information on who in your state could provide a DMP. If you would like referral information for your state, please click here.

How Does A Debt Management Plan Work?

The following video was produced under our former name of Consumer Credit Counseling Service.

read more at: Free Debt Management Plan

Bankruptcy Course

I can help you learn what you need.

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

The Pre-Discharge bankruptcy education class is available online.

Play Your Way to Financial Freedom

Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).

Strategies for Improving Your Credit Score During or After Bankruptcy

The purpose of this course is to guide clients who have filed for bankruptcy and provide more information on how bankruptcy affects the following aspects of their life.

read more at Bankruptcy Course

Best Debt Management Plan

Together, we can build a clear plan to best fit your needs.

It can happen at anytime and it can happen to any of us: A job loss. A medical crisis. A natural disaster. Life in general. Any number of unexpected events could potentially lead to mounting debt-and even the most prepared individual is not immune.

Through our Debt Management Plans, (DMP), you could minimize interest rates and payments to creditors, pay down your debt, eliminate fees and put an end to collection calls.

Getting started on your DMP is easy and can be completed in 4 easy steps.

Step 1 –	Provide the basic personal information necessary for DMP enrollment
Step 2 –	Review your creditors and the benefits of your DMP
Step 3 –	Review your current financial situation
Step 4 –	Finally, we will take a look at your monthly cash flow

The total process will only take a few minutes. If you have any questions, a Certified Credit Counselor is available to assist you as you go through the process.

Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy

If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

Understanding Your Credit Score

This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

read more at Best Debt Management Plan

Nonprofit Credit Counseling Service

National Nonprofit Credit Counseling Organization Expands Offices in Southeast

Compass/CCCS has three offices in Greenville, Spartanburg and Greenwood.  Its CCCS program was started in 1971 and provides budget, credit, and pre-filing bankruptcy counseling, debtor education and debt management plans.

“This is exciting news for both organizations.” said Suzanne Boas, president of CredAbility. “We provide many of the same services and share the same values. Combining the Compass/CCCS program with CredAbility will enable us to serve additional clients in the southeast.”

“We are pleased that our CCCS program will join a national nonprofit credit counseling agency that can provide our clients with additional services,” said Thomas Bannister, president of Compass of Carolina. “The addition of CredAbility’s housing counseling services, its 24/7 convenience and its bilingual staff will benefit many residents of upstate South Carolina.”

Understanding Your Net Worth

Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.

What is Bankruptcy?

If you are having problems paying bills or being threatened by creditors with lawsuits, wage garnishment or property seizure, this article will help you understand the basics of bankruptcy.

read more at Nonprofit Credit Counseling Service

Non Profit Debt Management Program

National Nonprofit Credit Counseling Organization Says Consumers Paid Down $122 Million in Debt in 2010, Most Ever in 47 Years

ATLANTA, GA – Consumers are using Debt Management Plans more than ever to get back on their feet financially. CredAbility reports that in 2010, 27,818 consumers participated in its Debt Management Plans (DMP) and paid back more than $122 million to their creditors. The $122 million is a record for the 47-year-old nonprofit credit counseling organization, and a three percent increase from the $118 million paid back in 2009.

“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”

Where Do I Want to Be in 5 Years?

The purpose of this webinar is to help you identify and commit to goals that inspire you to make the right choices. You will learn to start with your ending goal in mind, write down your goals and adjust your goals as necessary.

Where Do I Want to Be in 5 Years?

This webinar will help you identify and commit to goals that inspire you to make the right choices. You'll also learn to adjust goals as necessary.

read more at Non Profit Debt Management Program

Non Profit Debt Management Companies

Consumers on CredAbility’s Debt Management Plans Repay Record Amount in 2010

National Nonprofit Credit Counseling Organization Says Consumers Paid Down $122 Million in Debt in 2010, Most Ever in 47 Years

ATLANTA, GA – Consumers are using Debt Management Plans more than ever to get back on their feet financially. CredAbility reports that in 2010, 27,818 consumers participated in its Debt Management Plans (DMP) and paid back more than $122 million to their creditors. The $122 million is a record for the 47-year-old nonprofit credit counseling organization, and a three percent increase from the $118 million paid back in 2009.

“Many consumers are deciding to take control of their financial lives by working with their creditors to pay down their debt, even if it takes 36 months or longer,” said Vicki Williams, vice president of Debt Management Plan Services for CredAbility. “They realize that this is a more responsible way to reduce debt and rebuild their credit compared to debt settlement or debt consolidation services offered by for-profit companies.”

Bankruptcy 101: What Every Consumer Should Know

Learn what it is, how to spot the early warning signs and the differences between Chapter 7 and Chapter 13. Plus, find out how filing can affect your financial life and how to avoid bankruptcy.

Buying Insurance

Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

read more at : Non Profit Debt Management Companies

Debt Management Nonprofit

CredAbility says that the consumers on its Debt Management Plans in 2010 had higher incomes, more credit card debt and were older than in previous years.

In 2010, the average income of a person on a DMP with CredAbility was $53,880, a four percent increase compared to 2009. Each person on a DMP in 2010 had an average of $24,266 in credit card debt, a 4.5 percent increase compared to 2009. The average age of a person on DMP in 2010 was 48, up from 45 years old in 2009.

“While people enrolling in our DMPs earn good incomes, they have an increasing amount of credit card debt,” Williams said. “We can help them negotiate lower interest rates with their creditors that may result in lower monthly payments.”

Many people who opt for a DMP to repay their unsecured debt are prompted to seek help after late payments have caused their credit card interest rates to soar. In some cases, a DMP is a sound alternative to bankruptcy. Ultimately, the plan serves the dual purpose of helping consumers repay their debts and helping creditors receive the money owed to them.

Choosing An Attorney

With the right questions, information and realistic expectations, you learn about everything to consider—from legal fees and costs to consultations—so you can make an informed decision.

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

read more at: Debt Management Nonprofit

Credit Card Debt Counseling

In spite of the overwhelming financial distress you may feel, we are here for you, and we can help, with sound budget planning guidance that can help you defeat credit card debt and any other financial challenge you may be facing.

Get started today!

Whether you’re trying to tighten-up your budget or struggling to pay credit card debt, medical expenses or any other kind of financial obligation, take advantage of the free, completely confidential budget planning services we offer. You have the ability to regain control of your finances and pay down your credit card debt and more... 

You have the ability to get your finances back on track–defeat credit card debt and more with free budget planning counseling and education from CredAbility

In spite of the overwhelming financial distress you may feel, we are here for you, and we can help, with sound budget planning guidance that can help you defeat credit card debt and any other financial challenge you may be facing.

Conquering Credit Challenges

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

Fair Credit Reporting

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

read more at Credit Card Debt Counseling

Credit Counseling Online

You have the ability to get your finances back on.

Our professional counselors offer confidential advice that helps you take a new look at budget planning, and helps you learn how to manage your credit card debt and any other debts, and help you learn how to start building savings.

Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. 

Whether you’re trying to tighten-up your budget or struggling to pay credit card debt, medical expenses or any other kind of financial obligation, take advantage of the free, completely confidential budget planning services we offer. You have the ability to regain control of your finances and pay down your credit card debt and more... get started today!


In a budget planning session, we’ll work with you to determine the most effective way to approach your particular situation, and, aftewards, we'll send you a personalized plan that can help you begin to stabilize your finances and meet future goals.

Fair Debt Collection

If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

Fighting Back Scams Part I

Taken from our Fighting Back Senior Scams class, Avoiding Scams Part I will address how to recognize consumer fraud schemes, detect and prevent identity theft, and identify mortgage-related abuses.

read more at Credit Counseling Online

Foreclosure Prevention

CredAbility can help with a free review of potential options such as mortgage modification, repayment plans and more.

Whether you’re facing the foreclosure process or are concerned you might, CredAbility can help with free, confidential foreclosure prevention counseling.

In a counseling session, we’ll help you understand the foreclosure process and review alternatives that may be available to you such as mortgage modification, which often requires working with lenders to refinance debt over a longer time period, thereby reducing the monthly payment. Other options might include temporarily suspended payments or special repayment plans.

Every situation is unique, but we can help you better understand the foreclosure process and the paths that may be open to you. We can also connect you with your lender to help maintain the communications link so important before and during the foreclosure process. Afterwards, you’ll receive an action plan to help you get back on track.

Fully Covered
Understand the basic types of insurance and why it is important to have the right insurance coverage for your family.


Identity Theft
Listen as our CredAbilityU experts discuss financial tips on ways to avoid a very expensive and troubling worldwide crime called Identity theft.

read more at: Foreclosure Prevention

Debt Management Plan Calculator

Identity Theft

Learn the necessary steps to protect your information and avoid the common mistakes that allow someone to take your identity. This course will help you understand what you must do if you are a victim of identity theft.

Importance of Saving

Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track


read more at Debt Management Plan Calculator

Free Credit Counseling

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report.

Get out of debt and back on track today.

If you're feeling overwhelmed by your finances, the first step toward regaining control can sometimes be the hardest. We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Let's turn this thing around

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

Know the Score: Understanding and Improving Your Credit Score
We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.


Making a Five Year Plan
Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

read more at: Free Credit Counseling

Advantages of Bankruptcy

Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

Buying Insurance

Listen as our CredAbilityU experts discuss financial tips on how to unravel the mystery of buying insurance.

Fair Credit Reporting

In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

New Resources on CredAbilityU
Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

Play Your Way to Financial Freedom
Play Your Way To Financial Freedom teaches you how to use educational games to help your family change the way they think about money and credit cards. You will learn how to play the new Beat Debt board game and Paid Off card game (for in-person only; games sold separately).

read more at: Advantages of Bankruptcy

Bad Debt Management

We are here to listen, answer your questions and provide the information you need. We strongly urge you to visit with an attorney to discuss the benefits, costs and consequences of filing for personal bankruptcy. And if you are not sure what you need, contact us—we will help you on the right path.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy

If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

Understanding Your Credit Score

This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

read more at: Advantages of Bankruptcy

Bad Debt Settlement

Our debtor education course will prepare you for a new beginning.

Pre-Discharge Bankruptcy Education
Required by law, before your bankruptcy case can be discharged- which means debts included in the bankruptcy are no longer considered collectible- you must complete Pre-Discharge bankruptcy education. This course lasts two hours. Topics covered include:

• Setting realistic financial goals
• Understanding your credit report
• Obtaining or re-establishing credit
• Managing budgets
• And more

Again, this course is required and only available to individuals who have already filed for personal bankruptcy. To enroll in this class you must provide your case number.

Understanding Your Credit Score

This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

Understanding Your Net Worth

Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.

read more at Bad Debt Settlement

Bankruptcy Information

We've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

Understanding Your Net Worth

Determining your net worth is as important as knowing how much you owe. This article will help you understand the value of your assets and your liabilities in dealing with financial challenges.

What is Bankruptcy?

If you are having problems paying bills or being threatened by creditors with lawsuits, wage garnishment or property seizure, this article will help you understand the basics of bankruptcy.

read more at Bankruptcy Information