About Consumer Debt Counselors

Consumer Debt Counselors is a nonprofit financial services company that promotes the economic well-being of low to moderate-income Americans through innovative financial literacy programs and personal finance solutions that help our clients achieve their financial goals.

Our services include:

• Credit counseling
• Debt Management Plans (DMPs)
• Ethical debt settlement
• First-time homebuyer assistance
• Mortgage foreclosure prevention and mitigation
• Student loan counseling
• Bankruptcy counseling and debtor education courses
• Medicare enrollment coaching
• Financial coaching for patients and families dealing with chronic illness

We want to empower consumers to achieve their financial goals through a human-centered approach and innovative technology, advancing financial well-being with advocacy, education, and innovation.

Looking Back

Our nonprofit organization has a rich history. It was founded by George Janas, an insurance industry veteran, in 1998. George noticed that many hardworking people faced financial troubles, especially after experiencing life-changing events they couldn't control, such as death, divorce, disease, or job loss, and found it difficult to recover. Initially, people would find ways to pull money together to pay bills, but over time, they would hit a breaking point as little things continued to pile on. Debt could and did ruin people's lives. After seeing it happen repeatedly, George decided to start a nonprofit to provide financial literacy programs for consumers.

A Trusted Voice

With over 25 years of experience, we have been instrumental in helping consumers chart a path to financial recovery. Our national headquarters is in Winter Park, Fla., and we are a proud National Foundation for Credit Counseling (NFCC) member. We are also a certified housing counseling agency, certified by the U.S. Department of Housing and Urban Development (HUD). The U.S. Department of Justice (DOJ) Executive Office for the United States Trustees (EOUST) has approved us to issue certificates in compliance with the U.S. Bankruptcy Code. We are licensed, bonded, and ISO 9001:2015 certified, demonstrating our commitment to excellence.

Value-Driven Leadership

As a nonprofit company, we commit to furthering our mission for the betterment of the American public. To accomplish this, Consumer Debt Counselors embraces value-driven leadership. Our values govern our behavior as we interact with our clients, the public, and each other.

We strive to be:

• Agile. We respond swiftly and effectively to changing circumstances, market dynamics, and customer needs. We embrace a proactive, forward-thinking mindset that values learning, collaboration, and thriving in uncertainty.
• Innovative. We foster creativity, embrace exploration, and nurture novel ideas and situations. We empower our associates to challenge norms, think beyond boundaries, and craft inventive approaches to business challenges, creating value for customers, stakeholders, and the company.
• Human-Centered. People are at our core: employees, customers, stakeholders, and communities. We prioritize understanding, empathizing, and meeting the needs of individuals who engage with us. Our decision-making strategies and operations are driven by their well-being and preferences.
• Sustainable. We balance economic, environmental, and social considerations for lasting viability and positive impact. We integrate ethical practices into every facet of our operations, decision-making processes, and strategic planning.
• Continuously Improving. We cultivate continuous improvement throughout our business. Associates of all levels actively identify inefficiencies, suggest enhancements, and drive changes that refine processes, elevate products, and enhance overall performance.