Better Debt Solutions
Before you commit

Free guidance, real humans.

If you are not sure which program fits, start here. A certified BDS consultant will review your finances and explain your options honestly. If a structured credit counseling debt management plan is the right fit, we connect you with a vetted nonprofit credit counseling agency.

Free 20-min consultationNo upfront feesNo credit pull to qualify
Two women sharing tea at a wooden table in warm light during a credit counseling conversation
The basics

What is credit counseling?

Credit counseling is a no-cost financial review with a certified counselor or consultant. They look at your income, expenses, debts, and goals, then explain your options in plain language: settlement, management, consolidation, bankruptcy, or simply tightening your budget. If a credit counseling debt management plan is appropriate, the counseling agency administers it and negotiates lower interest rates with your creditors.

Free consultation
No cost, no obligation. You only pay if you enroll in a program with a provider.
Certified consultants
Real professionals trained to help, not to sell.
Plain-language advice
Honest tradeoffs in writing, that you can keep and review at your own pace.
No credit pull
You can talk to us without affecting your credit score.
Why start here

Understand your options before committing.

01

Honest recommendation

Sometimes the answer is "do nothing yet." We will tell you when.
02

Whole-picture view

Beyond just debt: income, expenses, and goals.
03

Written plan

Take it home, sit with it, decide on your timeline.
04

Connected to the right path

If a program fits, we connect you with a vetted provider. If not, we say so.
The process

How this program works for you.

Step 01

Tell us your situation

A 20-minute conversation about your income, debts, and goals.

Step 02

Get an honest read

BDS tells you what we see and what we recommend, in writing.

Step 03

Decide on your timeline

You leave with a written plan. Enroll today, next week, or not at all.

Frequently asked

Questions worth asking.

If you don't see your question, call us, we'll answer it plainly.

The BDS consultation is free. Fees only apply if you enroll in a program with a provider (for example, a debt management plan run by a credit counseling agency), and those are disclosed by the provider in writing before enrollment.

Your debt-free day starts with a conversation.

One 20-minute call. Zero pressure. A real, written plan you can keep, even if you do not enroll with any provider afterward.

What you'll walk away with
A clear picture of where you stand financially
An honest recommendation, even if it is not us
A written plan, emailed for your records
No credit pull. No upfront fees. No spam.