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 ease your financial stress, address your financial concerns, and develop a plan for living a financially healthy life. If you’re concerned about debt, we’ll provide options to help you get out of debt. Our caring, certified experts will partner with you to:

A female GreenPath counselor typing at her workstation.

The debt counseling session can be conducted over the phone.  Or, if you prefer, you can meet with us in-person at one of locations. No appointment is necessary for phone sessions. Scheduled appointments are required for in-person meetings.

Each year, we work with thousands of people to 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. Your call will be answered by a caring, compassionate expert who understands that financial hardships happen to good people. We will treat you with care and respect, and we will never be judgmental. We're committed to your success in becoming debt-free.

”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 you can 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 process of exploring options to help you get out of debt, increase savings and take control of your financial future.

How long does a counseling session take?
The initial credit counseling or debt counseling session usually takes about an hour, possibly less or more 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. Or you can just call us back when you have time to talk.

What will I need for my initial credit counseling session?
It will be helpful if you know how much you usually spend each month on living expenses such as utilities, food, gas, etc. 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.

If you need help getting out of debt, don’t worry – we offer 100% Free Credit & Debt Counseling.

Meet Sara, Community Engagement Liaison and responsible for managing GreenPath offices in Colorado and Wyoming.  Sara ran her own credit counseling agency, CCCS of Northern Colorado and Southeast Wyoming, for years.  "I love helping our clients reduce stress.  Watching them become debt free is very satisfying.  I want to throw a party for each and every client who works so hard to pay off their debts!"  Sara has worked in credit counseling since 1991.