Business Details
50+ Years
experience
Your Trusted Financial Wellness Partner
Apprisen Financial Advocates has been a trusted leader in financial counseling for 70 years, dedicated to empowering individuals and communities through personalized debt management solutions and financial education. Our team of certified financial specialists works collaboratively with clients to create customized plans addressing budgeting, credit improvement, and long-term financial wellness. As a BBB A+ rated nonprofit, we combine decades of industry experience with nationally recognized certifications through the National Foundation for Credit Counseling to deliver reliable, ethical services.Our comprehensive approach includes debt management programs that negotiate with creditors to reduce interest rates, financial health plans focusing on cash-flow management, and innovative digital tools like IRIS for secure online financial analysis. With a proven track record of helping over a million people achieve financial stability, we maintain strict confidentiality while providing accessible services through multiple channels including in-person, phone, and virtual platforms across all 50 states.
Services
Debt Management Program
Financial Health Plan
Credit Health Education
Financial Coaching
IRIS Online Analysis
Bankruptcy Counseling
Student Loan Education
Housing Counseling
Details
- Year established: 1955
Highlights and features
- 70 years of proven experience in financial counseling since 1955
- BBB A+ rated nonprofit organization with certified specialists
- Personalized debt management plans with creditor negotiations
- Nationwide accessibility with local office presence in 3 states
- Transparent fee structure with hardship assistance available
Associations and certifications
- BBB
- National Foundation for Credit Counseling (NFCC)
What people say
On the right track
Compassionate and non-judgmental
Invaluable to financial goals
Results unparalleled
Best around
Services
Debt Management Program
Our Debt Management Program helps clients consolidate unsecured debts into one manageable monthly payment. We negotiate with creditors to reduce interest rates and fees while providing ongoing support from certified specialists. This structured solution typically takes 3-5 years to complete but allows for early payoff options.
Financial Health Plan
The Financial Health Plan offers comprehensive budgeting guidance and savings strategies tailored to individual circumstances. Certified specialists create personalized roadmaps focusing on cash-flow management, emergency fund development, and long-term financial goals through one-on-one counseling sessions both online and in-person.
Credit Health Education
Credit Health Education sessions provide in-depth understanding of credit reports and scoring factors. Specialists help clients develop strategies to improve creditworthiness through personalized action plans, covering debt management techniques and responsible credit usage practices that support overall financial wellness.
Financial Coaching
Our Financial Coaching service offers ongoing guidance for individuals seeking to build sustainable financial habits. Certified coaches work with clients to develop personalized strategies for budgeting, debt reduction, and achieving specific financial goals through regular check-ins and accountability frameworks.
IRIS Online Analysis
IRIS provides secure online financial analysis with personalized action plans generated within 24-72 hours. This digital platform connects users with certified specialists for remote financial assessments, offering immediate access to customized debt management strategies and budgeting recommendations through an encrypted submission process.
People
Johnny Cantrell
President, Chief Executive Officer
Johnny Cantrell leads Apprisen Financial Advocates's strategic vision with extensive executive experience in nonprofit financial services. He oversees organizational operations while maintaining client-focused service standards across all programs and locations.
Christopher Kallay
Treasurer, Chief Financial Officer
Christopher Kallay manages Apprisen Financial Advocates's financial operations with expertise in nonprofit accounting and fiscal strategy. He ensures financial sustainability while maintaining compliance with regulatory requirements for the organization's debt management programs.
Brian Yoder
Chief Information Officer, Secretary
Brian Yoder directs Apprisen Financial Advocates's technology infrastructure and digital security initiatives. He oversees the development of secure online platforms like IRIS while ensuring data protection standards for client financial information.
ReDonna Thompson
Chief Operating Officer
ReDonna Thompson manages daily operations across Apprisen Financial Advocates's service network. With deep experience in nonprofit management, she coordinates program delivery and staff development to maintain consistent service quality nationwide.
Lisa Piercefield
Director of Virtual Engagement & Operations
Lisa Piercefield leads Apprisen Financial Advocates's digital outreach initiatives and virtual service delivery. She develops innovative approaches to financial education while managing the organization's online engagement strategies and remote counseling operations.
Questions
How can Apprisen Financial Advocates help with debt management?
Apprisen Financial Advocates creates personalized debt management plans by negotiating with creditors to reduce interest rates and consolidate payments. Certified specialists provide ongoing support throughout the repayment process.
What makes Apprisen Financial Advocates different from other credit counseling services?
With 70 years of experience and BBB A+ accreditation, Apprisen Financial Advocates offers certified financial specialists, multiple service delivery options, and a proven track record helping over a million clients achieve financial wellness.
What documents are needed for the initial consultation?
Bring recent creditor statements, income documentation, and a list of current expenses to your initial session. This helps specialists create an accurate financial assessment and tailored action plan.
Are Apprisen Financial Advocates's services confidential?
All client information remains strictly confidential. Financial records are securely stored and never shared without written permission, ensuring privacy throughout the counseling process.
How much do Apprisen Financial Advocates's financial services cost?
Initial consultations are free. Debt Management Programs have capped fees ($45 setup, $45 monthly max) with hardship assistance available. Other programs have specific fee structures outlined during enrollment.
Can I access services online or only in-person?
Apprisen Financial Advocates offers multiple access points: in-person at 3 state locations, by phone, video chat, or through IRIS online platform for convenient nationwide service delivery.
