What is Credit Counselling?

Credit-Counselling-by-Full-Circle-Total-Debt-SolutionsCredit Counselling is the process of working with a Debt Solutions Specialist to understand your situation and provide you with quality information and peace of mind knowing you have someone in your corner. Upon reviewing your financial situation a Debt Solutions Specialist will confirm all suitable financial options with you, and firmly place themselves between you and your creditors.

A Debt Solutions Specialist will use their knowledge and expertise to negotiate terms with your creditors to find a fair and more realistic single monthly payment plan that you can sustain until your unsecured debts are paid, this in turn can remove the pressure of your creditors contacting you.  The result of your interaction with a Debt Solutions Specialist is that we negotiate with your creditors on your behalf and create an offer to your creditors that significantly reduces the interest you will pay and a monthly repayment plan that you can maintain.

What is the Process?

Our Debt Solutions Specialist will complete a full financial analysis taking into consideration your monthly income, debt obligations and living expenses to confirm a realistic debt fulfillment timeline and monthly payment to each creditor. Our Debt Negotiations Specialist then negotiates with your creditors to lower your monthly payments and reduce or eliminate the interest.


  • With a Debt Solutions Specialist representing you and your situation, a Credit Counselling Program removes the pressure of creditors contacting you.
  • Payment options can be flexible.

If you need help finding the option that will help you reduce your debt payments and get out of debt as quickly as possible, call a certified credit counselor at 1-877-220-3328 or get started online for a free analysis of your financial situation or simply chat with us now. You could be just minutes away from debt relief.

Find Out If You Qualify

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