Free Credit Counseling and Debt Counseling

Photo of a male GreenPath counselor, wearing a headset, smiling and ready to answer your call.

GreenPath offers free credit counseling and debt counseling to help you get out of debt.  Our caring, certified professionals will take time to:

  • Understand your financial situation and goals
  • Develop a customized budget
  • Explain your options
  • Offer recommendations for how to get out of debt
  • Develop an action plan for moving forward

A female GreenPath counselor typing at her workstation.

The debt counseling session takes 60 to 90 minutes and can be conducted in-person or over the phone at your convenience.  The session goes quicker if you have copies of recent bill statements handy.

No appointment is necessary.  Scheduled appointments are also available if you prefer.

We specialize in helping people eliminate credit card debt.  You may qualify for a GreenPath Debt Management Plan.  Or debt advice and money management tools may be all you need to pay your debts on your own.

People often find it difficult to dial the phone and ask for help with debt.  Don’t be one of those people.  Your call will be answered by a caring, compassionate advisor who understands that financial hardships happen to good people.  We're here to help you get out of debt.

The comment we hear most often is “I wish I wouldn’t have waited so long to call.”


Don’t wait.  The sooner you call, the sooner we can help you get out of debt.


GreenPath Frequently Asked Questions Graphic


How much does a debt counseling session cost?
There is no cost. Debt counseling and credit counseling are free.

What is the difference between credit counseling and debt counseling?
There is no difference.  The terms "credit counseling" and "debt counseling" both refer to the session in which we work to understand your financial situation and explore options to help you get out of debt.

How long does a counseling session take?
The initial credit counseling or debt counseling session usually takes about an hour, possibly up to 90 minutes depending on your situation.

Do I need to make an appointment?
No, an appointment is not necessary.  GreenPath professionals are standing by to serve you by phone. However, appointments are required for in-person services.

What if I don’t have time to conduct a credit counseling session now?
No problem.  We can schedule an appointment for a more convenient time.

What will I need for my initial credit counseling session?
Please have copies of recent bill statements handy.  We’ll also need to know how much money you and your spouse / financial partner bring home each month.

Will you keep my information confidential?
Yes, absolutely.  We do not report information to the credit bureaus.  And we will not share your information with anyone without your permission.  If you begin a debt management program, we will obtain your consent before we propose payment arrangements to your creditors.

Eric, Group ManagerMeet Eric, Bilingual Counselor Manager responsible for managing GreenPath offices in Arizona, Florida and South Texas.  In 2005, he started out as a GreenPath counselor in New York City.  He later moved to Florida, where he continues to help people get out of debt.  "I like to see our clients gain confidence and hope as they work to overcome their financial concerns.  It's rewarding to see the positive impact we make in their lives."