Lower Your Monthly Credit Card Payments

We are a Non-Profit Credit Counseling Company that provides free evaluations and options to lower your credit card debts.

Your Free Consultation Includes:

  1. Full evaluation of your debt relief options
  2. What your new monthly payment would be
  3. How much you will save each and every month
  4. Your Total Savings
  5. The date your new payment could start


Why Choose DebtGuru?

DebtGuru Credit Counseling

dg-icon-114DebtGuru® is a licensed and certified credit counseling agency who has a Better Business Bureau A+ Rating and has been in business helping thousands of consumers solve their debt issues for 17 years. We provide immediate and free assistance to those who wish to understand their options to reduce their monthly credit card debt.

Your free financial counseling answers the questions that matter including:

What are my debt relief options:
We’ll explain to you how our debt relief programs work. What types of  relief you should consider and which ones may be appropriate to solve your specific situation.

What will I save each month? Or what is my reduction?
When we evaluate your debts we will determine interest rate reductions, stopping late and over the limit fees and more. We will then provide you a possible new monthly payment. This is upfront with no commitment or cost.

What will I pay each month?
The monthly payment for paying your credit cards and any fees associated with your debt relief plan will be determined and provided to you upfront so you can decide if you would like to proceed with confidence.

Will this impact my credit score?
Our program neither increases nor decreases your credit score.

Are you negotiating or settling my debts?
No. We work WITH your creditors who offer relief through lowering interest rates, reducing or eliminating fees and other concessions so your monthly payment is in line with your ability to pay.

Our Credentials & Qualifications

address-mapDebtGuru is a real credit counseling company with a physical location that anyone can come visit. With 17 years of being in business, thousands of success stories and being licensed to provide debt relief you can trust you are dealing with a legitimate trustworthy company.

non-profit debt relief

DebtGuru is a Non-Profit Organization

As such all of our credit counseling services are free. What this means to you is that we do not charge for our financial evaluations, education nor guidance to help you get the debt relief you need.



bbb-accredited-businessBBB A+ Accredited Business.
As an A+ Accredited Better Business Bureau company for longer than a decade, you can trust that we are serving our customers with honor and integrity year after year.

You can view and verify our BBB A+ Rating here



female-202Certified Credit Counselors
When you receive your free consultation and evaluation from DebtGuru you will be working with an experienced, fully certified credit counselor.

Our counselors are trained and certified in financial evaluation, debt relief and consumer budgeting.

Our Happy Customers

Thanks for all your help. You’ve been wonderful to work with. I am so STOKED to finally be out from under this. I couldn’t have done it without you. My credit score has already increased over 40 points.``

K. Stewart

Thank you for following up on this matter. My experience with American Credit Foundation and DebtGuru has been a pleasant one. I will highly recommend this debt management program to anyone who is in need of such services.

Jeanmarie Durando

Click "More" for important American Credit Foundation client transition information