Start Your Path to Financial Freedom With DebtWave
Online credit counseling with DebtWave can help you understand your debt, review your current financial situation and explore repayment options that may fit your goals. As a nonprofit credit counseling organization, we can also help you determine whether a Debt Management Program may be appropriate.
Prefer to speak with a counselor? Call DebtWave at (888) 686-4040.
Start Your Free Credit Counseling Review
Tell us about your debts and financial situation. After you submit the form, a certified DebtWave counselor will contact you by phone to complete your counseling session.
Completing this form does not obligate you to enroll in a Debt Management Program. Your information is handled according to DebtWave's Privacy Policy .
After You Submit the Form, We'll Call You
The online form starts your credit counseling session, but a certified DebtWave credit counselor will need to speak with you by phone to complete your financial review.
Please provide the best phone number to reach you and watch for a call from DebtWave.
How Online Credit Counseling Works
Getting help with debt can feel complicated. DebtWave makes the process as straightforward as possible.
Submit Your Information
Tell us about your debts, current payments and financial goals using the secure online form.
Speak With Your Counselor
A certified DebtWave counselor will speak with you by phone to review your debts, assets, income, expenses and financial situation.
Review Your Options
Your counselor will explain potential repayment strategies. You decide whether any available option, including a Debt Management Program, makes sense for you.
Why Choose DebtWave for Online Credit Counseling?
DebtWave Credit Counseling, Inc. is a 501(c)(3) nonprofit credit counseling organization and a member of the National Foundation for Credit Counseling (NFCC) .
Our online credit counseling process is designed to help you understand your finances and evaluate realistic options for managing unsecured debt.
- Review your debts and financial goals.
- Learn about possible repayment strategies.
- Understand whether a Debt Management Program may be an option.
- Work with a nonprofit credit counseling organization.
- Decide for yourself what step to take next.
What Is a Debt Management Program?
A Debt Management Program, commonly called a DMP, is a structured repayment program. Participating creditors may offer benefits such as reduced interest rates or other repayment concessions.
A DMP is not a new loan. Instead, qualifying unsecured debts may be included in one scheduled monthly program payment administered through the credit counseling agency.
Creditor participation, interest rates, payments and other program terms depend on creditor guidelines and your individual circumstances.
Learn More Before Starting Online Credit Counseling
These resources can help you better understand credit counseling, Debt Management Programs and potential repayment options.
Credit Counseling
Learn how nonprofit credit counseling works and what to expect during your financial review.
Learn About Credit Counseling →Debt Management Programs
Learn how a Debt Management Program may help qualifying consumers repay unsecured debt without another loan.
Learn About DMPs →DMP Payment Calculator
Estimate what your monthly payment and potential repayment timeline could look like.
Estimate Your Payment →Online Credit Counseling Questions
Click a question below to view the answer.
What is online credit counseling?
Online credit counseling lets you begin by providing information about your debts, financial goals and current situation online. A DebtWave counselor can then review that information with you by phone.
Can I complete the credit counseling session online?
You can start the credit counseling session online, but your certified credit counselor will need to speak with you on the phone to review your liabilities, assets, expenses and income.
Do I have to enroll in a Debt Management Program?
No. Completing DebtWave's form or speaking with a counselor does not require you to enroll in a Debt Management Program.
Is a Debt Management Program a debt consolidation loan?
No. A Debt Management Program does not replace your existing debts with a new loan.
What types of debt can credit counseling help with?
Credit counseling can help consumers evaluate many financial obligations. Debt Management Programs generally focus on qualifying unsecured debts such as credit cards and certain unsecured personal loans.
What information should I have available?
It is helpful to have information about your debts, monthly payments, income, expenses and assets. Recent creditor statements can also be useful.
What happens after I submit the online form?
A DebtWave counselor will contact you by phone to continue your credit counseling review. You'll also have the option to schedule a convenient appointment time after submitting the form.
Can I schedule my counseling call?
Yes. After you submit the online form, you can use DebtWave's scheduling calendar to choose an available date and time for your counseling call.
Can I speak with a DebtWave counselor instead of starting online?
Yes. Call DebtWave at (888) 686-4040 if you would rather begin by phone.
How is the information I submit online handled?
Information submitted through DebtWave's online counseling process is handled according to our Privacy Policy .
Ready to Take the Next Step?
Start your free online credit counseling review today. After submitting your information, a certified DebtWave counselor will contact you to complete your counseling session.