Reclaim Your American Dream
with Income-Based
Debt Management

At DebtWave Credit Counseling, Inc. our team of certified credit counselors focuses on helping you get out of credit card debt. We strive to teach you how to properly manage your finances. With the hopes of reducing the likelihood you fall into debt again.

Free Credit Counseling

Lower Interest Rates

One Monthly Payment

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Will not impact your credit score

Debt Management

Pay off your debt in 3 to 5 years

Combines bills into one
Save you up to 55% on payment fees
Increases cashflow while debt is paid off

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Real Stories. Real Results.

See how we've helped thousands of individuals regain their financial freedom.

Spencer Simons

"My debt situation was making me consider selling my house to pay it all off. Somehow found these guys (I can't even remember), and they helped negotiate some of my debts so that I'm actually making progress on principal payments instead of just servicing interest. Two credit cards closed and reduced to 0% APR was the biggest win. Not all lenders are that willing to negotiate, so I wouldn't promise the same for everyone but they got through on enough of mine that I can stay in my house and live frugally and be out of debt in only a couple years. It's worth giving them a call to figure out what options you've got. No matter your circumstance."

Ben Poinsett

"I was drowning in debt with an enormous loan that had an enormous interest rate. It was almost obscene the amount the creditor was charging. I had no idea how I was going to continue to make the payments and have anything left for other bills. That is where DebtWave came to the rescue. The negotiated with the creditor, got them lower the interest rate by over half and the monthly payment was finally affordable. The team at DebtWave made everything so easy to get started and is always on top of things if you have any issues or questions that arise. They are kind, polite, knowledgeable and always wanting to help! Love working with them!!! So glad I made that call for help!"

Tanya Savas

"After extensive research I found Debtwave I made the call and talked with someone to get information, and wasn't pressured at all. I had a good feeling about this place and decided to enroll with them... seriously the best decision I ever made!! Holly is absolutely the most kind caring and helpful person I could ask for. She genuinely cares about people and has your best interest at heart. It's always a pleasure when I talk with her. Thank you holly and thank you Debtwave for everything you've done for me. It's awesome seeing my debt go down and with little interest."

Marion Phillips

"I feel this is the best option to make sure your debt is paid. Lessening the interest rates is allowing me to feel less stressed and paying my debt. Everyone at DebtWave is so helpful and easy to work with."

Linda L

"Amazing company that performs magic! I had an extreme amount of credit card debt with high interest rates. There was no way in my lifetime, that I could get a handle on the situation. I called Debtwave on the advice of a friend that used them previously, and set up my account with Crystal. Debtwave was able to communicate with the credit card companies, who lowered my interest rates on Debtwave's plan. I will finally see an end to this debt nightmare, and believe me, I sleep so much better! The payment plan is flexible and easy to set up. No worries at all. Great communication from Debtwave as well. They are always there to answer any questions and to be a liaison with the creditors. Debtwave will change your life!"

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Built to Help You Achieve Financial Freedom

Our mission is to help our clients eliminate credit card debt and also adopt healthy financial behaviors. Ultimately achieving financial freedom.

Why Choose DebtWave?

Consolidate Up To $250K

Simplify your life by rolling high-interest stress into one manageable monthly payment, you may qualify for a loan or a different resolution program.

Payments That Move With You

Your income determines your payment. If your circumstances change, your plan adapts—because that’s how neighbors treat neighbors.

Qualified by Your Effort, Not Just Your Score

We value your income and your work ethic. Even with less-than-perfect credit, your path to a fresh start begins here.

Your Success is Our National Priority

We don't just give you a loan; we provide you a U.S.-based service provider who understands our economy and your specific needs. We've done the vetting so you can focus on the climbing.

We're here to answer any questions you may have

Start Your Journey to Freedom

Taking this step will not impact your credit score. You owe it to your future self.

Reclaim Your American Dreamwith Income-BasedDebt Management