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Skip to content 800.344.5153 [email protected] Consolidated Credit Facebook Page Home About Executive Team Frequently Asked Questions (FAQ) Housing Counseling Homebuyers Homeowners Glossary of Mortgage Terms Credit & Debt About Financial Literacy Education Debt Management Programs Program Enrollment Partners & Links Partners/Relations Resources/Links Members Main Menu Search Search UNDERSTAND Your Future... With Financial Education Programs Learn More BUILD Your Future... Home Buyer and Homeowner Counseling Start Building CONTROL Your Finances See How Can Help You Take Control Certified Debt Help & Housing Counseling : Personalized debt management & help for homeowners Debt Management Is Credit Card Debt Holding You Back? Credit card debt tends to cause problems for consumers because the bill requirements increase right alongside rising debt levels. If more and more of each paycheck is going to paying off credit card debt and you don’t really seem to get anywhere, can help you develop a customized debt management plan to eliminate debt so you can regain your financial control. Cut your monthly debt payments, improve your budget A debt management plan can significantly reduce the amount of money you spend every month on credit card debt. You have more money available to cover other expenses in your budget and even to save up for a rainy day. Reduce or eliminate high interest charges and penalties We’ll negotiate with your creditors to waive any penalties that have been applied to your accounts, as well as to reduce or completely eliminate your interest rates. You can get out of debt faster, even though you pay less each month. Get Started Housing Counseling Whether you’re buying a home, taking advantage of equity or in financial distress and looking for ways to avoid mortgage default and foreclosure, a HUD-certified Housing Counselor can help you understand your options so you can move forward. Read More Reverse Mortgage Counseling If you are at least 62 years or older, you may be eligible for a reverse mortgage. A reverse mortgage is a loan that allows senior homeowners to access a portion of their home's equity to supplement their retirement income. A HUD Certified reverse mortgage counselor can help you understand how a reverse mortgage works and if it is right for you. Read More To find out if you qualify for assistance, please visit the HHF official website at www.floridahousing.org to review eligibility criteria and to apply; please use Referral Code 80092 when completing your application. For further questions, contact the Hardest-Hit Toll-Free Information line at 1-(877) 863-5244 , Monday-Friday, 9:00 a.m. - 5:00 p.m. National Foundation for Debt Management is an approved HHF Advisor Agency. After reviewing HHF program benefits/guidelines and eligibility criteria on the official HHF website, you may contact us for a pre-screening at 1-877-751-8077 or [email protected] . Go to top of page Copyright © 2020 National Foundation for Debt Management. All rights reserved. 14104 58th Street North, Clearwater, FL 33760 800.344.5153 P 727.254.5353 F 888.294.5487 [email protected] We are not a loan company. We do not lend money. About Us | Contact Us | Privacy Rights Terms & Conditions | Legal | Accessibility Thank you for submitting your information! You will be contacted by a representative. Thank you for submitting your information! You will be contacted by a representative....