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Lower Your Monthly Credit Card Payments

What does your new low payment plan look like? We’ll show you for free.

Powerful Benefits For You!

What You’ll Learn from a Free Consultation


  1. A full explanation of your debt relief options
  2. How much you could reduce your monthly payments by
  3. What your new monthly payment could be
  4. How much you would save in total with this program
  5. Why your credit score is not impacted positive or negative
  6. How soon your new low payment and savings can start.

We Provide Immediate Relief By:


  1. Reducing your monthly payments
  2. Reducing your interest rates
  3. Reducing the time it takes to pay off your debts
  4. Reduce or eliminate over the limit fees
  5. Reduce or eliminate late fees

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.

What will I save in Total?
There are many ways to determine success. Simply stopping creditor calls, eliminating late and over the limit fees and having peace of mind are valuable. However, we will add up all of your savings and provide to you an estimate of how much you will save in total when compared with continuing to pay as you are today. On Avg. our customers save over $10,000 in lower interest payments alone.

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


17-years-150Established, Licensed and Legitimate Business
DebtGuru and American Credit Foundation have been in business for 17 years. We have physical offices located in East Midvale, Utah for anyone to visit and employ over 30 professionals.  When you work with DebtGuru you are dealing with a professional business.


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