Business Details
Your Trusted Debt Counseling Partner in Omaha
At Credit Advisors, we have dedicated over three decades to empowering individuals to regain control of their financial futures with dignity. Our certified debt counselors specialize in personalized debt management plans, credit counseling, and bankruptcy guidance tailored to each client's unique circumstances. We prioritize transparency, offering clear fee structures including a $50 initial setup fee and a maximum 15% service charge on liquidated debt. As a Michigan-licensed service (DM-0016282), we adhere to strict regulatory standards while maintaining offices in Omaha, Nebraska, and Lansing, Michigan. Our approach emphasizes long-term financial education over temporary fixes, explicitly distinguishing ourselves from loan providers and debt settlement companies.With a proven track record of helping thousands achieve debt-free living, we maintain rigorous compliance with contractual obligations and consumer protection regulations. Our services include creditor negotiation, payment plan administration, and comprehensive credit education resources. We operate under clear cancellation policies, including a three-day cooling-off period and transparent fund return procedures. Our commitment to ethical practices is demonstrated through detailed contractual disclosures and adherence to state-mandated fee limitations.
Services
Debt Management Plans
Credit Counseling
Bankruptcy Guidance
Credit Card Consolidation
Financial Education
Creditor Negotiation
Payment Plan Administration
Credit Assessment
Debt Restructuring
Financial Literacy Programs
Highlights and features
- Certified debt counselors with 30+ years of experience
- Transparent fee structure with clear contractual terms
- Licensed and regulated by Michigan financial authorities
- Personalized debt management plans tailored to individual needs
- Comprehensive credit education and financial literacy resources
Services
Debt Management Plans
Our certified counselors create personalized debt management plans that consolidate multiple payments into one affordable monthly payment. We negotiate with creditors to potentially reduce interest rates and fees while ensuring compliance with state regulations. This service helps clients systematically eliminate unsecured debts over 3-5 years through structured payments.
Credit Counseling
We provide comprehensive credit counseling sessions that analyze clients' complete financial situations. Our counselors develop customized strategies for debt reduction, budget creation, and credit score improvement. The service includes ongoing support and educational resources to help clients maintain financial stability and prevent future debt problems.
Bankruptcy Guidance
Our specialized bankruptcy counseling service provides detailed information about bankruptcy alternatives and requirements. We help clients understand the implications of Chapter 7 and Chapter 13 bankruptcy while exploring debt management alternatives. The service includes mandatory pre-filing credit counseling and post-filing financial education required for bankruptcy proceedings.
Credit Card Consolidation
We offer credit card consolidation solutions that combine multiple high-interest balances into a single manageable payment. Our counselors work with creditors to potentially reduce interest rates and fees while creating a structured repayment timeline. This service helps clients avoid debt settlement while improving their overall credit profile through consistent payments.
Financial Education
Our financial education programs provide essential tools for long-term money management. Clients receive personalized budgeting guidance, credit score education, and debt prevention strategies. The service includes access to educational materials and workshops focused on building sustainable financial habits and improving overall financial literacy.
Questions
What services does Credit Advisors offer?
We provide debt management plans, credit counseling, bankruptcy guidance, credit card consolidation, and financial education programs tailored to individual needs.
Are you a debt settlement company?
No, we are not a debt settlement company. We focus on credit counseling and debt management plans that help clients repay their debts in full.
How much do your services cost?
Our fees include a $50 initial setup fee and ongoing charges up to 15% of the debt amount being managed, with clear disclosure of all costs.
Can I cancel my debt management plan?
Yes, you have a three-day cooling-off period and can cancel anytime, with any unspent funds returned to you according to our cancellation policy.
Are you licensed to operate in Michigan?
Yes, we hold Michigan license number DM-0016282 and comply with all state regulations for debt management services.
How do you help improve credit scores?
We help clients establish consistent payment histories through debt management plans while providing credit education to improve financial habits.
