DebtWave Credit Counseling, Inc. is licensed and approved to provide debt management and consumer credit counseling services in 46 states, plus Washington, DC. Currently, we are unable to assist those customers living in Idaho, Kansas, Maryland, and New York, but hope to be fully operational nationwide in the coming years.
Residents of all other U.S. states, including Alaska and Hawaii, are encouraged to contact us by calling 888-686-4040 or schedule an appointment with one of our certified credit counselors here.


As a nonprofit consumer credit counseling organization, DebtWave Credit Counseling, Inc., is mandated to comply with all state and federal laws.

Although compliance is a legal requirement, it also demonstrates that DebtWave is a reputable organization that provides quality service for minimal fees to the consumer. Further, state licensing allows consumers the assurance that DebtWave utilizes best practices in handling the consumer’s monthly payments.

In order to conduct business as a legal entity, DebtWave must have a Certificate of Authority to conduct business within a state. DebtWave has attained a Certificate of Authority in 46 states, and Washington, D.C., as issued by the Secretary of State. Of the 46 states we are currently licensed to operate in, 18 currently do not require licenses.