Tired of paying hundreds in interest every month?

Decrease your credit card payments by up to 25% to 50%.

Lower interest rates
Lower monthly payments
Payoff debt quicker
Improve credit scores

See how much you could save!

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By clicking 'Get A FREE Quote,' you authorize—with respect to the telephone number that you provided and any other telephone number associated with or related to you that may be provided to us in the future—DebtWave Credit Counseling, Inc (DebtWave), its affiliated entities and service providers to contact you by phone, text and artificial or pre-recorded voice message, even if you have listed yourself on any Do-Not-Call List. You further agree that you have read, understand and consent to this Privacy Policy and that any person or entity contacting you pursuant to your consent here may use an automatic telephone dialing system, even if the telephone number you provide is connected to a mobile phone and even if you might be charged for the call. Your consent to receive automated calls or text messages is not required for any purchase or availability of goods or services from DebtWave or its partners, and you may unsubscribe at any time. In addition, you may always call us directly at (888) 855-5191 to continue your inquiry.

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A certified credit counselor will call you at the number you provided for a free evaluation and the discuss with you all the options that are available for you.

Ready to chat with us now? Call us at (888) 855-5191.
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We work with the top credit card companies...
And many more

This is our "Why?"

Customers love DebtWave.

Lisa T.

★ ★ ★ ★ ★

I'm so happy that I made the decision to get off the hamster wheel. I would recommend this program to friends. I'd like to thank Mauricio F. for his assistance, understanding, and getting the job done. A weight has been lifted.

on Facebook

Roxana D.

★ ★ ★ ★ ★

It was such an easy process! I am almost debt-free! A few more months to go. I don’t know how I could have done it without them. This process thought me a great lesson: I can live without using my credit cards!

on BBB

Steve B.

★ ★ ★ ★ ★

The DebtWave staff has been working tirelessly to help me get my credit accounts together; helping me get a better interest rate to pay off in one monthly payment.

on Google

Natalie L.

★ ★ ★ ★ ★

We've been enrolled since November 2019 and have already paid about 63% of our debt down, our credit scores have increased drastically, and we're on route to meet our financial goals, despite job changes.

on Yelp

Escape debt-stress in 3 easy steps.

Speak to a Credit Counselor at No Cost

Review your credit card debt, expenses and income with a certified credit counselor to see what savings you may qualify for.

Explore our Debt Management Program

Find out if you qualify for our Debt Management Program which includes lower interest rates and becoming debt-free in 3-5 years.

Watch Your Debt Disappear

Make one payment to us and we will disburse to your creditors each month. Pay significantly less in interest as you reach your goal of becoming debt-free!

How much could you save?

We negotiate with your creditors for reduced monthly payments, lower interest rates, and to stop penalty fees – saving you time and money.

On your own.

$20,000 in debt

$600 per month (Monthly Payment Amt.)
21 years, 5 months (Payoff Duration)
$39,497.21 (Total Amount Paid, Incl. Interest)

With DebtWave DMP.

$20,000 in debt

$430 per month (Monthly Payment Amt.)
5 years (Payoff Duration)
$24,931.57 (Total Amount Paid, Incl. Interest)

$170.00

Saved on Monthly Payments

16.5 yrs

Saved on Total Payoff Duration

Here's your total savings!

$14,565

Saved on Total Amount Paid

Get A FREE Quote

This DMP estimate compares paying your minimum credit card debt payments on your own vs. the potential benefit of using a Debt Management Plan through completion. IT’S NOT AN ACTUAL QUOTE. The DMP Estimate is based on 2.15% of your balance owed. Actual interest rates will vary by consumer and creditor – yours could be higher or lower. DebtWave might be able to reduce your interest rates and late fees allowing you to pay off your credit card debt quicker (since more payments are applied to your principal balances, saving you lots of money in the long run). To complete the program, you must make on-time payments each month. Late or missed payments may cause your program to be canceled and in that event, this estimate would not apply to you.

Is a Debt Management Program the best solution for you?

Improve Credit

Quick Results

Saves You Interest

Single Payment

Debt Management Program

Debt Consolidation

On Your Own

Common questions.

How much does Credit Counseling cost?

No charge. Credit counseling is a free service provided by non-profit organizations like DebtWave Credit Counseling.

What is a Debt Management Program

Depending on your ability to pay off your credit card debt, your certified credit counselor may recommend you enroll in a debt management program (DMP). The primary purpose of a DMP is to get you out of debt. If you decide to enroll in our DMP, your creditors will likely lower your interest rates allowing much more of your payments to go toward the principal payment instead of interest. To do this, DebtWave Credit Counseling, Inc. will collect one monthly payment from you to disburse to your creditors in order to pay off your credit card debt.

Most individuals will be on a DMP between three to five years. During that time, you will not be able to use your credit cards. These accounts will be closed. If you are carrying a balance on your credit card month-to-month, this means your monthly expenses have exceeded your monthly income. In order to become debt-free, your expenses need to remain below your income.

Is there a fee if I enroll in a debt management program?

DebtWave Credit Counseling, Inc. charges a nominal one-time enrollment charge no greater than $99, and a monthly fee no greater than $59. These fees are determined in part by your state of residence and will be calculated by your certified credit counselor during your credit counseling session.

How does a Debt Management Program affect my credit score?

A credit score is something that determines whether or not you have the ability to borrow money aka get into more debt. If you are staring at a mountain of debt and are more concerned about your credit score, you may not be the best candidate for a debt management program (DMP). Enrolling in a DMP can temporarily result in a lowered credit score, as closing your credit card accounts can increase your debt-to-credit ratio. However, we found that exposure to financial literacy programs can lead to higher credit scores. A sample of approximately 116 clients on DebtWave’s DMP found the average client saw their FICO score increase 25 points per year once they participated in both our financial literacy and DMP programs.

Still have questions? Get in touch

Reach your goals faster with the advice you deserve.

Sign up for our weekly newsletter, the DebtWave Playbook, to receive weekly emails from DebtWave Credit Counseling, Inc. with the latest advice on managing credit card debt, debt payoff tips and strategies, budgeting, the latest financial news, and so much more.

Free credit counseling • Help from a live pro • Crush debt

Tired of paying hundreds in interest every month?

Decrease your credit card payments by up to 25% to 50%.

Lower interest rates

Lower monthly payments

Payoff debt quicker

Improve credit scores

Thank you. Your information has been successfully submitted.

We work with the top credit card companies... And many more

This is our "Why?"

Customers love DebtWave.

Escape debt-stress in 3 easy steps.

Speak to a Credit Counselor at No Cost

Explore our Debt Management Program

Watch Your Debt Disappear

How much could you save?

On your own.

$20,000 in debt

With DebtWave DMP.

$20,000 in debt

$170.00

16.5 yrs

$14,565

Is a Debt Management Program the best solution for you?

Improve Credit

Quick Results

Saves You Interest

Single Payment

Common questions.

How much does Credit Counseling cost?

What is a Debt Management Program

Is there a fee if I enroll in a debt management program?

How does a Debt Management Program affect my credit score?

Reach your goals faster with the advice you deserve.

Sign up for our weekly newsletter, the DebtWave Playbook, to receive weekly emails from DebtWave Credit Counseling, Inc. with the latest advice on managing credit card debt, debt payoff tips and strategies, budgeting, the latest financial news, and so much more.

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We work with the top credit card companies...
And many more