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2016 Top-Rated Nonprofit

Credit Card Management Services, Inc.

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Nonprofit Overview

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

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

83 Stories from Volunteers, Donors & Supporters

5

Client Served

Rating: 5

I retired early due to a disability and was not able to make my Mortgage Payments., I applied for assistance with my Mortgage holder 2 Months before I was unable to pay. it has been 7 months and they still have not responded to my needs.
Someone told me about Florida Hardest Hit about 3 months ago. Credit Card Management Services was not only able to help me, but they did so very quickly. I was impressed with their professionalism and urgency to help. Thank you Nicola for all of your hard work and diligence. You guys have restored my confidence in these kind of Services. I can now get back on my feet thanks to you !!!!!

6

Client Served

Rating: 4

Bill Messerschmidt, This consultation was very vital with him. enabling me to be equip with all of the particulars to attain a Reverse Mortgage. Which he recommended other Information to fit my needs.
Thanks
Princis Scott

6

Client Served

Rating: 4

On Monday, March 21 2016, I had a counseling session with Bill Messerschmidt on the topic of HECM loans. Bill was 'very' thorough over the course of the session and showed complete knowledge of subject matter. Bill patiently answered all the questions I could think of. Seemed like a very likable fellow.

7

Client Served

Rating: 5

On March 11 2016 My wife and I did a counselling session on the phone for a HECM loan. Bill Messerschmidt was the counselor and he put us ease right away. What we thought may be a daunting exercise actually was informative. Thanks to Bill it was easy.

6

Client Served

Rating: 5

I worked with Mr Bill Messerschmidt today, Friday, February 26, 2016, on a Reverse Mortgage counseling session. Mr Messerschmidt was very helpful and informative and answered all of my questions about the Reverse Mortgage process. I would definitely recommend DebtHelper for anyone needing help with and understanding of the Reverse Mortgage process.

6

Client Served

Rating: 5

I had a counseling session with Bill Messerschmit on the topic of HECM loans. He was very thorough and knowledgeable. His explanations made a complicated subject understandable. In addition, he seemed concerned with me as an individual and welcomed my questions. I am very satisfied with my experience today.

6

Client Served

Rating: 4

I think Bill Messerschmit did a fine job, though his computer was down. He explained well and was patient with my questions.
RoseMary Polhemus

5

Client Served

Rating: 5

I obtained a $50,000 principle reduction on my mortgage with the assistance of my HHF advisor Nicola Butts-Wimpel ! Her diligent efforts made the process seem so easy. Her open communication and constant follow-up with me was remarkable. Whenever she sent me an email , she called to ensure that I received it. She ensured that all of the required documents were submitted as needed and explained each step along the way. The whole process took only 3 months! I am very grateful for this program and would like to say thanks again to Nicola.

Barbara B

4

Client Served

Rating: 5

Thank you for helping with my principal reduction. Nicola Helped me through the long process that got my principal reduced to a reasonable value. Thank you again. Jared Phillips

3

Client Served

Rating: 5

MANY thanks to my adviser Nicola Butts-Wimpel at Debt Helper for all her help and guidance to obtain assistance through the Florida Hardest Hit Fund. I has been a stressful time after being laid off of my job of over 5 years and depleting all my Unemployment Benefits. Ms. Nicola used patience and great communication with me through the entire process. Nicola was so sweet to call me while she was on vacation to let me know I was approved. :-)

2

Client Served

Rating: 5

I've only been working with DebtHelper for a few months and I must say my Financial Coach, Felicia Lilliard is absolutely amazing. She's Very flexible with her time and very knowledgeable when it comes to obtaining financial freedom.

2

Client Served

Rating: 5

Credit Card Management Services, Inc./dba/Debthelper.com, was definitely a Godsend during a time in which I had been discharged from my job of nearly eight years, had exhausted my unemployment benefits and had been displaced from my home due to a fire. Mrs. Nicola Butts-Wimpel guided me along in the entire process and ensured that all required documentation was submitted to Underwriting in a timely fashion. She kept constant communication with me via various avenues such as: email, phone, mail and fax. Under the circumstances-at the time-I have no doubts that this process would have been a much more daunting task had it not been for the care, compassion and dedication displayed by Mrs. Nicola Butts-Wimpel and her team at Credit Card Management Services/Debthelper.com. Thank you all!!!

3

Client Served

Rating: 5

I cannot thank or say enough good things about Ms. Nicole Mezima and Debt Helper and the other staff members for all their assistance with the Florida Hardest Hit Fund application process. At the time, my house was on the verge of being foreclosed on and I could not see the light at the end the tunnel. Ms. Mezima was very thorough and detail-oriented with regard to all the information needed to give HHF and had you give her the most accurate and complete picture of your particular situation. She always responded quickly to any questions or concerns that I may have had. I found Ms. Mezima to be very professional, dedicated, compassionate and understanding and she seems to love helping people and assuring them that things will work out for them and life will get better, even though it does not look like that at the time.
On Thanksgiving Eve, Ms. Mezima gave me a great gift by calling and saying that HHF had granted me mortgage assistance. Thank you does not seem like enough to say with regard to how grateful I am.
As for Ms. Mezima and the staff of Debt Helper and HHF, I am truly blest that I have had your help and considerations. We need more people like Nicole Mezima and companies like Debt Helper to get people back on their feet. I am so glad to know that there are still good people in this world. I wish all that had a hand with my blessing, have a wonderful and blessed holiday and that you all receive all the love, health and prosperity for you and your family as well. THANK YOU AGAIN!!!!

Veronica Martinez

4

Client Served

Rating: 5

Francisco Vargas was a big help with assisting one of our young patients families with a loan modification when the bank threatened them with foreclosure.

5

Client Served

Rating: 5

Ms. Nicole Mezima at debthelpers.com has always been and continues to be a viable supporter in reaching out to those in need. Her thoroughness, dedication, and professionalism is always at the highest level. She has been exemplary in every regard of the help and guidance she provides. She is compassionate about helping those in need and this is displayed in every aspect of her job. My life has been enriched by all the help she has provided to me and has always been an advocate looking past the challenges and never giving up. Her passion for helping others is a tribute to a person who truly puts others ahead of herself. To know her is to be blessed.

Deb McCoy

7

Client Served

Rating: 5

I would like to thank my Advisor Nicole Mezima at Debt Helper for her help and guidance in the process of assisting me with the HHF for Unemployment mortgage assistance. Nicole helped me through this difficult time by providing educated information and with quick turn around times. I strongly recommend Nicole and Debt Helper for all those who need assistance & professional advise on any type of services that they may offer.

HCampbell

7

Client Served

Rating: 5

I, am Ann Young, a single mother who has not been able to work due to medical problems since October 2014. I have applied for SSI/Disibility, but have been denied, and now I am in the appeal process. I have been praying for someone to help me, and one day I called 211, and they told me about Debt helpers. I did not know about the Hardest hit fund, or that something, or someone would really help me and my children. With only $250.00 monthly income from child support. I did not know what to do. So I only called to see if I could get help with Bankrupcy, and I explained my situation to Nicola Butts Wimpel. She told me about the hardest hit fund, and that I may qualify for it. She was A God send and a blessing right from the first phone call. It was no accident that God put her on the line. I submitted my paper work, and I got the call today 9/22/2015. That my application has been approved. I just wanted to say Thank You once again Debt Helpers, and Nicola Butts Wimpel. God bless you all.

6

Client Served

Rating: 5

I was out of work for seven months and this organization was beneficial with helping me get back on track till I found a job. After finding a job and working for a year, what seemed like a long term setback turned into a great comeback to get back on track with restoring my finances and getting the advice and support I needed from my representative (Francisco Vargas).

Mr. Vargas was very helpful and supportive through the process of helping me get the assistance I needed to retain my home. Whatever obstacle was in the way, he was very supportive by researching and following up with me on the positive outcome.

6

Client Served

Rating: 5

After many years of excellent credit, some medically related issues rendered me insolvent. In preparation for filing bankruptcy, I was required to complete a "course" in credit counseling. This site was very easy to follow and very user friendly. At the end, one must complete an interactive interview.

Needless to say, this is a very stressful time. When I called, I was fortunate to speak with a lovely representative by the name of Yadira Diaz. She was knowledgeable, friendly, and compassionate. What a wonderful "face" for your company! Please give her my thanks for making a difficult situation easier.

5

Client Served

Rating: 5

Mr. Francisco Vargas has been a tremendous help to my family by helping us with reestablishing a loan modification which have tried and failed numerosly and finally suceeded with his help. We are very grateful for his assistance and definitely recommend their services.