Why “Nonprofit” Credit Counseling Isn’t as Independent as You Think
A nonprofit credit counseling agency isn’t held to the same legal duty your doctor is. Here’s the accountability gap the 2006 reforms never closed — from someone who ran one.
fair share
Credit Counseling vs. Bankruptcy: What I Learned Running One Side and Filing the Other.
I founded a credit counseling org and I filed bankruptcy. Here is the side-by-side comparison the enrollment process does not show you.
I Founded a Credit Counseling Agency. Here Is How They Actually Make Money.
Fair share payments, setup fees, and a revenue model tied to enrollment — not outcomes. From someone who built one of these organizations.
