Iran’s second Strait of Hormuz closure is already pushing gas and grocery prices up — I explain the credit card trap that catches people in every oil shock.
Fair share payments, setup fees, and a revenue model tied to enrollment — not outcomes. From someone who built one of these organizations.
I founded a credit counseling organization. Here is when calling your credit card company directly beats enrolling in a GreenPath DMP — and when the DMP is actually the right move.
American Consumer Credit Counseling is a nonprofit credit counseling agency. Here’s how to research their CFPB complaints, BBB profile, IRS Form 990, and ask the right questions before enrolling in a debt management plan.
Consumer Credit Counseling Service of Greater Milwaukee is a nonprofit credit counseling agency in Milwaukee, Wisconsin. Here’s how to research them — CFPB complaints, BBB profile, IRS Form 990, and the right questions to ask before enrolling.
FamilyMeans is a nonprofit credit counseling agency in Stillwater, Minnesota. Here’s how to research them yourself — CFPB complaints, BBB profile, IRS Form 990, and the questions to ask before enrolling in a debt management plan.
Clarifi is a nonprofit credit counseling agency in Philadelphia. Here’s how to research them yourself — CFPB complaints, BBB profile, IRS Form 990, and the questions to ask before enrolling in a debt management plan.
Turnbull Law Group charges 28% of total enrolled debt — nearly 4x Georgia’s 7.5% legal cap — using a law firm exemption. The Georgia AG has confirmed both Turnbull and Freedom Debt Relief are under investigation. Two consumers document what happened.
Everything you need to know about credit counseling and debt management plans — how they work, what they cost (including the hidden $400K retirement impact), how to verify agency financial health, and reviews of 25 specific agencies.
IRS Form 990 data from 43 nonprofit credit counseling agencies reveals half operate at a deficit most years, NFCC membership provides no protection, and the COVID surplus was a temporary anomaly. Here’s what the money shows about your DMP.
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Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.
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