Buying a First Home

Buy The House I Love or The House I Can Afford

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.

Buy the House I Love or Love the House I Can Afford

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.

Read more at housing pre purchase

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.

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.

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.

read more: Bankruptcy Pre Filing Counseling

Bankruptcy Debtor Education

The Pre-Discharge bankruptcy education class is available online.

• Online classes are accessible on this site 24/7. To get started click on “Start an online session” above.

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.

read more at Bankruptcy Debtor Education

Budget And Credit Counseling

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.

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.

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.

Read more at Budget And Credit Counseling

Bankruptcy Counseling

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment.

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.

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.

read more at Bankruptcy Counseling

Debt Management Plan

It's free. It's confidential.
And all it takes is a couple of minutes

Become debt-free sooner than you think.

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.

CredAbility makes it simple to pay down your debt.

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.

read more at Debt Management Plan

Free Debt Management Plan

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.

read more at: Free Debt Management Plan