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Nonprofit Overview

Causes: Economic Development, Education, Educational Services, Financial Counseling, Homeless & Housing, Housing Support

Mission: Credit Card Management Services, Inc. d.b.a. Debthelper.com 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. Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper.com 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. Debthelper.com 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. Debthelper.com adheres to the NISHEC National Industry Standards for Homeownership Education and Counseling and is a partner with the FHF Florida Housing Finance Corporation. Debthelper.com 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.

Community Stories

99 Stories from Volunteers, Donors & Supporters

1

Client Served

Rating: 5

I had a list of 16 companies to choose from, to schedule a counseling session for a Reverse Mortgage, and I called 10 of them before making a decision.

I chose Debthelper.com. not only because their fee was less than any of the others I called ($120.00), but also because they actually answered the phone, and were the most helpful initially.

We were counseled by Bill Messerschmidt who was not only very informative and helpful, but we actually learned two things we were not aware of regarding a Reverse Mortgage! That information was invaluable and changed the way we decided to use the Reverse.

I highly recommend Debthelper.com if you're looking at any Reverse Mortgage!

From a very grateful client - Terri

3

Client Served

Rating: 4

DebtHelper staff members called me several times to be sure I was ready for the counseling session with Bill Messerschmidt. They were very clear about the information I needed to have at hand during my hour session with Bill in March 2017. He called on schedule and shared A LOT of facts and options while explaining the Reverse Mortgage process. All folks I talked to were polite and extremely helpful in the daunting process of understanding reverse mortgage loans and the process. They kept in touch with my advisor at the mortgage company and immediately faxed him the necessary papers for the process to move forward. I will definitely recommend this group to my friends. Thanks for a positive experience!

1

Client Served

Rating: 5

My wife and I enjoyed our counselling session with Bill Messerschmitt. He was informative and gave us valuable information about the Reverse Mortgage. We would definitely recommend Debt Helper and Bill for counselling services. Thank you

2

Client Served

Rating: 5

My experience with William on 3/15/2017 was very informative. I learned a lot about reverse mortgages. He help me to understand the progress he help me in considering the options that were available to meet my needs...

5 Wendy169

Client Served

Rating: 5

I've read a billion things about reverse mortgages and it was like cramming for my finals, figuratively and literally! At 75 I'm still working because I HAVE to and I live in fear that I will lose that job - no one's gonna hire a person of my age. Anyway I was referred by a friend to a Reverse Mortgage Specialist , Earl Rose - he patiently went over everything and then sent me to DEBTHELPER.COM, which is a counseling service that makes sure you know exactly what your options are and to give you the opportunity to consider your decision. I worked with a super nice guy named Bill Messerschmidt and he is the most patient man - he was polite and calm no matter how many times I interrupted him to clarify something. He answered all of my questions and even maintained a sense of humor.

Now that I know what this reverse mortgage thing is all about - I'm going to go ahead with the process and hope this will help take some of the pressure off my shoulders.

4

Client Served

Rating: 5

The information and help I received from Nicole ButtsWimpel and JacobDenton on the Hardest Hit Fund, was above and beyond what I could ever imagine. Their professionalism and expertise made the whole process a much easier task.Thank you

5

Client Served

Rating: 5

This company was very Helpful. Very understanding of my situation. I would recommend them anytime.

6

Client Served

Rating: 5

Awesome company! This company did a workshop at my church. I took notes not knowing that I would soon need their assistance. Illness hit and I contacted debithelpers.com for help with the hardest hit program. Nichola was amazing! She walked me through the paperwork and process step by step. Nichola answered all of my questions and at no point did I feel lost. She emailed and called me at my convenience--- who does that??? Not to many companies that I know. I was approved for the hardest hit program; meaning catching up my mortgage and paying it for me for 12 months. Free, I didn't give them a dime!! What a blessing.

6

Client Served

Rating: 5

Bill Messerschmidt handled our reverse mortgage counseling session with the utmost professionalism.
His information was concise and easily understandable. If we had any question he took the time to explain the answer completely and made certain that we understood that answer.
We highly recommend Bill and Debthelper.com

7

Client Served

Rating: 4

The Credit Card Counseling session was very informative. I'm glad I took this and waiting on next session. Everyone should learn from this and take the course. You will feel better and smarter . My Counselor was real nice and explained everything to me.