Find out who actually helps with debt, and who just sells you something.
4,233 credit counseling agencies, debt relief and settlement companies, tax resolution firms, and bankruptcy offices across 51 states. Plus calculators and plain-English guides so you know what to ask before you walk in.
Six kinds of help, and they are not interchangeable
Compare them allCredit and Debt Counseling
Budget review and debt management plans
Debt Relief Services
Debt relief and consolidation programs
Debt Settlement
Negotiated payoffs for less than the balance
Credit Repair
Credit report disputes on your behalf
Tax Debt Relief
IRS and state back tax resolution
Bankruptcy Help
Consumer bankruptcy filings and counseling
Free calculators
All toolsDebt payoff planner
Snowball against avalanche on your real balances, with a month-by-month schedule.
Debt-to-income calculator
The ratio lenders use, plus the take-home version that tells you how the month will feel.
Minimum payment trap
How many years and how much interest a minimum-only payment really costs.
Settlement vs payoff estimator
Compare a settlement program, a management plan, and minimum payments side by side.
Hardship budget worksheet
Find the monthly surplus a counselor will ask about before you call one.
Map of every office
All 4,233 listings on one interactive US map.
Latest guides
All guidesChapter 7 vs Chapter 13 Bankruptcy: Which Does What
Liquidation or reorganization, the means test, what bankruptcy never erases, and the cost comparison most people skip before enrolling elsewhere.
Special DebtsStudent Loan Repayment Options, Without Paying Anyone
Every federal program is free to apply for. Income-driven plans, forgiveness, getting out of default, and what to do with private loans.
Special DebtsMedical Debt Is the Most Negotiable Debt You Have
Itemized bills, hospital charity care, surprise billing protections, and why putting a medical bill on a credit card is the worst available move.
Your RightsWage Garnishment: What They Can Take and How to Stop It
How a creditor reaches your paycheck, the federal caps on how much, and the five exits available once garnishment starts.
Cities with the most listings
Every stateBrowse by state
4,233 offices- Alabama56
- Alaska3
- Arizona138
- Arkansas27
- California587
- Colorado85
- Connecticut24
- Delaware13
- District of Columbia11
- Florida565
- Georgia120
- Hawaii9
- Idaho23
- Illinois162
- Indiana54
- Iowa11
- Kansas23
- Kentucky31
- Louisiana46
- Maine5
- Maryland57
- Massachusetts68
- Michigan142
- Minnesota39
- Mississippi24
- Missouri66
- Montana8
- Nebraska4
- Nevada77
- New Hampshire8
- New Jersey108
- New Mexico21
- New York217
- North Carolina117
- North Dakota6
- Ohio98
- Oklahoma49
- Oregon55
- Pennsylvania116
- Rhode Island5
- South Carolina41
- South Dakota3
- Tennessee66
- Texas556
- Utah56
- Vermont1
- Virginia72
- Washington75
- West Virginia11
- Wisconsin56
- Wyoming18
DebtPages lists offices compiled from public map data. A listing is not an endorsement, and inclusion says nothing about licensing or quality. Verify any provider with your state regulator before you sign anything.