Professional Debt Counseling Services
Debt Restructuring
Comprehensive debt analysis and restructuring plans that reduce your burden, consolidate payments, and create sustainable repayment terms.
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Creditor Mediation
Professional negotiation with creditors to secure reduced settlements, lower interest rates, and payment plans that work for your business.
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Cash Flow Planning
Strategic cash flow management to optimize income, reduce expenses, and maintain healthy working capital while servicing debt.
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Recovery Roadmaps
Personalized step-by-step recovery plans with clear milestones, ongoing support, and strategies for long-term financial stability.
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Business Credit Repair
Rebuild your business credit profile with dispute resolution, credit monitoring, and strategies to improve your credit score.
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Financial Education
Comprehensive education on budgeting, forecasting, and debt management to empower you with knowledge for lasting financial health.
Learn MoreHow We Help Small Business Owners
Debt Restructuring
Our licensed counselors analyze your complete debt situation—including business loans, lines of credit, credit cards, and vendor accounts. We create a comprehensive restructuring plan that reduces your overall debt burden, consolidates payments where beneficial, and establishes manageable repayment terms aligned with your actual cash flow.
We negotiate with each creditor to secure lower interest rates, waive fees, and extend payment terms. Our goal is to make your debt serviceable while protecting your business operations.
Creditor Mediation
Stop dreading creditor calls and letters. Our experienced mediators handle all communications with your creditors on your behalf. We understand creditor tactics, legal requirements, and negotiation strategies that achieve the best possible outcomes.
We work to secure debt settlements, reduced principal balances, lower interest rates, and realistic payment schedules. This professional buffer allows you to focus on running your business while we handle the difficult conversations.
Cash Flow Planning
Poor cash flow is often at the root of debt problems. We help you implement practical cash flow management systems, identify revenue opportunities, reduce unnecessary expenses, and create predictable financial processes that support both your business operations and debt repayment.
Our counselors work with you to develop accurate cash flow forecasts, establish payment priorities, and create emergency reserves. Better cash flow management means fewer surprises and more control over your financial future.
Recovery Roadmaps
Every business is unique, which is why we create personalized recovery roadmaps tailored to your specific situation. Your roadmap includes immediate crisis management strategies, short-term stabilization plans, and long-term financial health objectives with clear milestones.
We provide ongoing support as you progress through each stage of recovery. Regular check-ins, plan adjustments, and continued guidance ensure you stay on track toward financial stability and business growth.
Business Credit Repair
Damaged business credit limits your financing options and vendor relationships. Our credit specialists help you understand your business credit reports, dispute inaccuracies with credit bureaus, and implement proven strategies to rebuild your credit score over time.
Better credit means access to better financing terms, improved vendor relationships, and more opportunities for business growth. We guide you through the entire credit repair process and help establish positive credit habits.
Financial Education
Knowledge empowers lasting change. We provide comprehensive financial education covering budgeting fundamentals, financial forecasting techniques, debt management best practices, and strategies for avoiding future financial challenges.
Our educational approach ensures you understand not just what to do, but why—building your confidence and capability to maintain long-term financial health independently. We want you to succeed long after our engagement ends.
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WHAT HAPPENS NEXT?
Fill out our online form or give us a call to tell us about your project and what you're envisioning for your home.
Call: 1-800-DEBT-HELPOur team will schedule a convenient time to visit your home and provide a no-obligation consultation.
We'll provide a detailed proposal with service options and pricing tailored to your needs, budget, and timeline.