Credit Card Management Services, Inc.

Rating: 4.78 stars   54 reviews

Issues: Education, Homeless & Housing, Human Services, Economic Development

Location: 1325 N Congress Ave Ste 201 West Palm Beach FL 33401 USA

Mission: Credit Card Management Services, Inc. d.b.a. is an IRS Approved 501c3 Non-Profit Florida Corporation dedicated to our mission to educate, advise and empower youth to seniors to handle debt, credit and housing and to provide affordable housing opportunities through the acquisition and rehabilitation of residential properties. partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. is ISO: 9001 Certified as audited by BVI, is licensed, bonded and insured to provide quality debt management services as governed by its Code of Practice and Best Practices through its membership with AICCCA, the Association of Independent Consumer Credit Counseling Agencies. is a member of ACCPros, the Association of Credit Counseling Professionals, a member of the Florida Housing Coalition, a member of the NCHA National Housing Counseling Association. adheres to the NISHEC National Industry Standards for Homeownership Education and Counseling and is a partner with the FHF Florida Housing Finance Corporation. is a proud member of the Southeast Florida Better Business Bureau.
Target demographics: Consumers
Direct beneficiaries per year: 45000 Consumers
Geographic areas served: All States
Programs: Education for seniors 62 and other the options and alternatives and benefits of a reverse mortgage; homebuyer education and foreclosure prevention, debt management and debt consolidation, student assistance, mortgage assistance and financial education and credit counseling.
2015 Top-Rated Nonprofit
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EIN 31-1483386
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Community Reviews

Rating: 5 stars  

5 Stars for Claudia. She was very friendly and professional. I was not looking forward to my session but as soon as she started talking with me I knew it was going to be a breeze. Give her a pay raise NOW!
Wayne Creveling

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Rating: 5 stars  

I was assigned To Mr.Francisco Vargas to help me out to modify my mortgage.he was very helpful very friendly and knowledgeable.and I am in right direction for loan modifications. The service was excellent and highly recommended.

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Rating: 5 stars  

1 person found this review helpful

I was dreading talking to a counselor for RM but I got Nikita on the phone and she was the ultimate. Answered questions and put all my fears at ease. They need to give that girl a raise after dealing with me. She knows her stuff and then some. Just a nice and easy counseling session. So glad she was my counselor. Thanks!

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Rating: 5 stars  

1 person found this review helpful

I used DebtHelper to do a Loan modification with OCWEN. I was assigned Mr. Francisco Vargas, he was very friendly, professional, and patient. Even though we filled out the the required documentation, the bank was very difficult. Mr. Vargas was able to show all the documentation and he personally called to let me know that the loan modification was approved. I am highly grateful to Mr. Francisco Vargas because thanks to him I can keep my home.

I recommend DebtHelper to everyone!!

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Rating: 5 stars  

1 person found this review helpful

Having to deal with the stress and anxiety of keeping/saving your home is beyond anything I have ever experienced in my entire life. Well at least until a wonderful woman whom kept me on my toes to be diligent and assertive to process all of the proper paperwork necessary to complete my application. Today I received the most amazing news...I was accepted!!! Every single person I spoke to was helpful and kind. They all work together as a team and it shows in their spirit and voices! I can't thank them enough!!! Especially my sweet angel, Ms. Nicola!!!! I will forever be in debt to you for my gratitude and appreciation!!!!

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Rating: 5 stars  

1 person found this review helpful

I was very satisfied with the service rendered by Debt Helper ,they successfully assisted me in going through a challenging time in my life. I became unemployed in 2013 and was unable to find a job for one year.
Debt Helper helped me saved my home by putting me through available programs and communicating with me on a regular basis to ensure that I am being kept informed throughout the process.
The employees that work there are the BEST and they have a caring heart and really does make a difference in people lives every day.
I would like to recognize the following personnel who I had personal dealings with :Francisco, Maria. Valeria, and Nicola. Many ,many ,many thanks for putting me back on track.

Yours Truly

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Rating: 5 stars  

1 person found this review helpful

I first learned of Credit Card Management, at DebtHelper, from Mr. Tane Cabe with Churchill Mortgage in Gig Harbor, WA. To be honest about this review, I must first say that I feel I have been lead through this as answered prayer.

I’m to old to be selling my home, buying one smaller, scaling-down, so to speak, and starting all over again. But, my prayer was to be free of debt and able to live with these raising cost-of-living expenses. At first, it looked as though I would have to sell my home, consolidate my debt and buy a small home. I would still owe some of the debt, but at a lower rate of interest, making it easier to live with.

Then I learned of Mr. Cabe’s book on the subject of Reverse Mortgage, (which I had some bad feelings about), from a local talk-show host, so, as Mr. Cabe lived in my vicinity, I gave him a call, got his book, and discovered that I could not only get out of debt, but also not have to move and would have enough money to stay in our home and be able to afford these higher cost-of-living expenses. I will be able to pay off all my debt, including my mortgage, freeing-up all my income from my retirement plan + S.S. What a relief, and my wife can breathe easy for a change, not having to worry about stretching the grocery bill, or wondering if we can afford the gas to visit family and friends.

The HECM counseling, required to obtain mortgage financing, was handled in a very patient, helpful and respectful manor by Mr. Alex Borge with Credit Card Management.
He too, proved to be an answer to our prayers, as my wife was quite apprehensive about the three-way phone conference, which Alex made very comforting for her, and gave her a peaceful friendly experience. A big Thank You Alex, for being so gracious with her.

All-in-all, I must give thanks to our Lord for bringing this together in such a peaceful way.

Thank you all, and may God richly bless you,
Bill Gremmert

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Rating: 4 stars  

1 person found this review helpful, thank you for making the reverse mortgage counseling process as smooth as possible. My only issue was that when I scheduled my phone interview the rep. did not emphasize to this hard of hearing baby boomer that both my wife and I needed to be present at the time of the phone interview. We had to wait for a call back to complete everything. Other wise it was a snap.

B.P., California

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Rating: 5 stars  

1 person found this review helpful

My counselor , Maria Torres ,Certified Residential Housing Counselor,

CPFC,HHF Advisor was most helpful and courteous ., as was Maria Galvan,

Customer Service Specialist

I am a Sr. citizen, and was very nervous during the process, but both were very

patient with me and helped me understand everything.

I was fortunate to have them assist me to a successful conclusion.

Bless you both

Carol Norton


Everyone who answered the phone was polite and responded promptly.

I would say they all work together afficiently.

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Rating: 5 stars  

2 people found this review helpful

I would like to THANK DebtHelper for their assistance with my Home Loan Modification. I was very well taken care of by Francisco Vargas who from day one was extremely professional. During the entire process, Mr. Vargas was very informative and well knowable guiding me step by step on the procedure. His constant follow ups were key on making me trust the organization. I would strongly recommend DebtHelper to those seeking for credit management assistance. GRACIAS FRANCISCO!

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