Over 1.8 million nonprofits and charities for donors, volunteers and funders

Claim This Nonprofit

More Info

Add to Favorites

Share this Nonprofit

Donate

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

82 Stories from Volunteers, Donors & Supporters

8

Client Served

Rating: 5

SPREADING GRATITUDE:


This is a true testimony of the journey to save my house. I was unemployed for 4 years after being laid off in 2011 from a company where I gave 11 years of service, due to cut backs and the economy. During that time I STRUGGLED to pay my mortgage and fell short in the last 20 months. When I was 12 months past due I asked the bank if they would combine the past due amounts and add it to the mortgage which would grant me an opportunity to start over. The bank refused. Then I boldly asked the bank if they would willing to take $10,000.00 and allow me to start paying the mortgage again. It was a bold move because I did not physically have the money yet. The bankstill refused and filed a foreclosure on my house.

I realized that the bank had no intention to work with me and that this is a problem that a lot of homeowners face. You pay a “30 year mortgage” for over 20 years and as you get close to the finish line they want to rob you of your hard work, then capitalize on it with someone else. Lord, the devil has a plan, but My God has a planet and within that planet there are some GREAT PEOPLE and resources such as Florida Hardest Hit Fund (FHHF) that helped people like me and my friend Clinton (Junior), who God sent to provide me with the information.

It was a long and, at times, tedious journey. It seemed I would be asked for 5 papers and once those were sent I was asked for 10 more. The same process took place but the amount of papers requested seemed to increase. BUT it was all worth it!

In my first attempt seeking help with FHHF, I was told I was not qualified. I was honest in all aspects, so it befuddled me. Yet, I tried again and my persistence paid off in the end. I was working with a FHHF representative by the name of Jacob and if there is an award for the best customer service, Jacob should be the recipient 10 times over. Jacob has the patience, professionalism, tolerance and empathy of a saint. When I was initially not qualified, he took the time to explain everything in detail, even though I was not a client and there was no benefit to help me. He was just as gracious in my moment of triumph as he was in the face of my defeat.

I wrote this message for a few reasons. First, I want to thank the family at Florida Hardest Hit Funds, especially Jacob who had worked on my case so diligently. Secondly, for those of you who are struggling give them a call. You may even get Jacob but, regardless, I can assure you that FHHF will fight for you! Lastly, do not let the banks take away what you have worked so hard for, there are resources out there to help you, reach out to them.

Sincerely,
Beverley Anderson

6

Client Served

Rating: 5

Excellent advice on reverse mortgage. On time and friendly.

6

Client Served

Rating: 5

Alex C at DebtHelper.com explained everything clearly about a reverse mortgage and what to expect. Very helpful counseling!

5

Client Served

Rating: 5

Wafaa was really awesome. I explained why we had to do this and she was very understanding. Bad things happen to good people. Highly recommend this program.

5

Client Served

Rating: 4

I was referred to DebtHelper.com by Legal Aid of Broward County. Their website was easy to use, and after completing the online course, I took a break before caling them for the interview part. The staff were diligent in contacting me to make sure I did the necessary phone interview as well, to complete the process. My phone interview was informative and professional. I spoke with Traci, who was really nice. She was knowledgeable, thorough, and friendly. She answered all of my questions patiently, and made the experience expedient and pleasant. This was actually the second time I've completed the course, and I got consistently good customer service from all of the staff I spoke with.

4

Client Served

Rating: 5

My interview with Bill was very informative and Bill made it very easy to understand. He took his time and made sure I understood all aspects of the mortgage. Also he was very personable and easy to work with. I was very impressed with his performance.

4

Client Served

Rating: 5

The information I received was about a reverse mortgage. All was explained thoroughly and easy to understand. Bill Messerschmidt was very personable and friendly. I would highly recommend Credit Management.

4

Client Served

Rating: 5

My interview with the team member was great.He made me understand The facts About This Reverse mortgage in great detail.

4

Client Served

Rating: 5

I consider myself a client of CCMS, because as a loan originator solely for reverse mortgages every one of my clients undergoes a HUD mandated session with an objective third party. Clients who have used CCMS for that counseling session unanimously report a cordial, informative session that answers all their questions and gives them confidence that they had the whole story. I receive only compliments on this particular agency. And when I was faced with a crushing deadline for a client, CCMS went out of their way to accommodate them so we could complete the transaction on time.

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 !!!!!