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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

5 Stories from Volunteers, Donors & Supporters


Professional with expertise in this field

Rating: 5

Extremely helpful, very quick turnaround on requests , amazing customer service , always super courteous, builds great relations and represents the company in a very professional manner-thank you so much to Jaan Lalwani because she is DebtHelpers' CCMS)greatest asset!!


Professional with expertise in this field

Rating: 4

Jaan Lalwani has helped separate Debt Helper from the rest. There's no other agency that offers the type of support at her position that Ms. Lalwani selflessly offers on a consistent basis. She's a real asset, not just to the agency she works for but to the industry overall.

H. Parker


Professional with expertise in this field

Rating: 5

I want to let you know that Jaan Lalwani far exceeds any one I have worked with in the business world. This one is a keeper. She responds quickly and is very reliable. Because of her your number is one I keep on my list for my clients to call.


Professional with expertise in this field

Rating: 5

This is my first experience with this company, they scheduled the client very quick, and very professional, we will be using their service again in the future.


Professional with expertise in this field

Rating: 5

I recommend DebtHelpher.com to everyone and have recommended it to colleagues who share my opinion.
DebtHelper.com is by far the best for many reasons. Their response time is immediate. When my office calls to set up client appointments or to ask questions, we are taken care of immediately. If no one is there, we leave a message and get an immediate call back.
We never hear any complaints from our clients. Their website is user friendly, their bilingual counselors are great.
In addition, their fees are affordable and the appointments are always on-time, they never miss one and are never late for one.
All the counselors are pleasant to talk to and are always very helpful, but we’ve had the most dealings with Bill Sheehan.
Bill is a superb counselor. An expert in customer relations, Bill has personified “service with a smile.” We’ve gotten Bill out of a sick bed, woke him out of a sound sleep and caught him just as he was getting on a plane to go on vacation, to help us with an emergency. Bill always stopped what he was doing to help us.

Review from Guidestar