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Foreclosure Prevention Counseling

Foreclosure prevention counseling provides answers on various programs available that can help you save your home in tough economic times.

Foreclosure Mediation

If you’ve explored all your other options and foreclosure seems like the only choice left, foreclosure mediation may provide an opportunity to renegotiate.

Housing Hardship

If tough economic times have put you in a situation where you can no longer afford to make the payments on your mortgage and faced with losing your home.

Home Equity Loans

Home equity loans allow homeowners to take advantage of the equity built up in their largest investment to pay off unsecured debt quickly.

Reverse Mortgages

Reverse mortgage loans are a home equity conversion mortgage loan. Learn about the process for taking out a reverse mortgage and what it can do for you.

Home Equity

I you want to make the most of your home equity, Consolidated Credit Solutions has the advice you need to make the best choice for you.

Pre-Purchase Housing Counseling

Learn what a certified housing counselor can do to help you get ready to buy a new home. You can ensure you make the right choice.

Purchasing a Home

Your home is one of the biggest assets in your life, so purchasing a new home is a major investment. Find out what you need to do to get ready financially.


When you simply don’t have enough money coming in to pay your debts back, sometimes there is no option left but to declare bankruptcy. Learn how.

Debt Settlement

If your credit card debt problems have gotten so big that it’s not possible way to pay everything, debt settlement may be able to help you avoid bankruptcy.

Credit Counseling

If you’re struggling with too much debt, a credit counseling agency with certified credit counselors may be able to provide the help you need.

Debt Consolidation

Debt consolidation allows you to combine multiple unsecured credit card debts into one, low monthly payment. Can provide relief from credit card debt.

Balance Transfers

A balance transfer is a do-it-yourself debt relief technique where you transfer existing debts from high interest credit cards to a lower interest card.

Finding Debt Relief

If you have more credit card debt than you can handle, learn how to find debt relief and put you back in control of your financial future.

Debt Negotiation

Debt negotiation is a do-it-yourself debt relief option that allows you to negotiate with creditors to make your debts more manageable.

Debt Reduction Strategies

When you want to reduce credit card debt, choosing the right debt reduction strategy can help maximize the return. Decide which strategy is right for you.

Secured vs. Unsecured Debt

Learn the advantages of paying off unsecured debts, like your credit cards, versus putting more money towards secured debts, like your mortgage.

Debt-to-Income Ratio

Your debt-to-income ratio is a good measure of how much debt you have vs how much money you bring in. Use this debt-to-income ratio calculator.

Credit Card Debt

Do you know how long it will take to pay off your credit card debt? Learn how long and how much you’ll pay for your credit card debts.

Managing Debt

Managing your debt means keeping a handle on your debt, being strategic in how to pay debts back, learning ways to maximize the benefit of credit.

Credit Cards

Understanding credit cards can help improve your financial situation, because knowing how credit cards work allows you to use credit to your best advantage.

Types of Debt

Learn how various types of debt work and how understanding the difference between various consumer debts can make you more successful.

How Debt Works

Debt can be part of a healthy financial portfolio, but you have to understand how your debts work. Learn how debt works and how to be successful

About Consolidated Credit Solutions

Consolidated Credit Solutions is a nonprofit financial organization that offers financial advice, credit counseling, and debt management services.