Clear Answers.
Zero Fog.

There is no charge for a credit counseling session. It is an entirely free resource provided by our national nonprofit to help you assess your situation and build a plan.

No appointment is necessary to speak with a financial counselor by phone. We are available to start your journey whenever you are ready.

Yes. All client information is secure and confidential. Modern Debt Help will not share your information with anyone without your explicit permission. We also do not report to credit bureaus.

Set up fees and monthly fees vary based on your state of residence and debt amount. On average, clients are charged a one-time enrollment fee of $35 and a $31 monthly fee. This is minimal compared to the thousands saved in interest and waived fees.

Initially, closing lines of credit may cause a temporary dip. However, over time, most people see their scores increase significantly as they establish a history of consistent, full, and on-time payments.

There is no charge for mortgage delinquency or rental counseling. There is a $199 fee for reverse mortgage counseling and a $150 fee for pre-purchase homebuyer counseling.

We can facilitate communications with your servicer and help you navigate the process, but we cannot guarantee outcomes. The result depends on your servicer and your eligibility for state and federal programs.

Yes. A student loan counseling session is free as part of our core counseling services.

No legitimate company can provide "credit repair" by removing accurate negative information. We provide credit education and reviews to help you understand your report and dispute inaccuracies legally.

Bankruptcy counseling costs are $50 by phone. Based on your income, you may qualify for a lower price or a waiver.