We are a non-profit debt management, bankruptcy and housing counseling agency.
Credit Card Management Services, Inc. d.b.a. Debthelper.com is an IRS Approved 501c3 Non-Profit Florida Corporation dedicated to our mission of providing compassionate and professional, financial counseling and education in an ethical manner with efficient, timely and problem-solving client support.
Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper.com is ISO: 9001 Certified as audited by BVI, is licensed, bonded and insured to provide quality debt management services as governed by its Code of Practice and Best Practices through its membership with AICCCA, the Association of Independent Consumer Credit Counseling Agencies. Debthelper.com is a member of AADMO, the American Association of Debt Management Organizations, a member of the Florida Housing Coalition, a member of the NCHA National Housing Counseling Association.
Debthelper.com adheres to the NISHEC National Industry Standards for Homeownership Education and Counseling and is a partner with the FHF Florida Housing Finance Corporation. Debthelper.com is a proud member of the Southeast Florida Better Business Bureau, to view our BBB Report.
We offer education and counseling on:
Pre-Filing Credit Counseling for Bankruptcy*
Pre-Discharge Education Courses, also known as a Personal Financial Management Instructional Courses, for Bankruptcy*
Credit Report Education (offering a broad view of what you should look out for on your credit report)
Budgeting and Spending Plans
Debt Management Programs
Consolidation Programs
HUD Approved Comprehensive Housing Counseling
Reverse (HECM) Mortgage Counseling
Foreclosure Counseling
First Time Home Buyers Educational Courses
And More Financial Rescue Options
Since being formed in 1996, we have helped guide tens of thousands of people out of financial difficulty. Located on Okeechobee Boulevard in West Palm Beach, we serve clients in almost every state in the union. Our multilingual, multinational team is different from many other agencies as we put the client first whether or not they join one of our programs. Debthelper.com Certified Personal Finance Counselors CPFC counselors strive to get to the root of the counseling issues and once and for all, help to seek their resolution.
Keywords: credit counseling, debt management, bankruptcy counseling, reverse mortgage (HECM)counseling,
Interview Q&A
How long have you been in business?
We have been in business since 1996
What is your primary product or service?
We are a non-profit housing and credit counseling organization offering debt management, pre- post- bankruptcy counseling, reverse mortgage counseling, first time homebuyers, loss mitigation/foreclosure plus much more.
How did you first become interested in your line of business? (if owner) - What is your background? (If owner or store manager)
After completing his Bachelor of Science in Business Administration Degree at Villanova University, Paul was recruited to West Palm Beach by a local banking institution, First Service Corporation.
Paul formed a bank holding company, White Eagle Financial Group, at age 24. The company raised $2.5 million for the purpose of acquiring a bank. In 1993 White Eagle purchased Admiralty Bank in Palm Beach Gardens, Florida. As Vice-President of Admiralty Bank, Paul became involved with Quick & Reilly who then established a branch office at Admiralty as a direct result of his relationship. This unique association was recognized in Barrett's Money Guide and American Banker.
Paul took advantage of his banking experience to establish Credit Card Management Services, Inc., branded as Debthelper.com, in 1996. Paul has served as its President since inception. Under his direction, Debthelper.com has achieved several benchmarks including: the adoption of the Association of Independent Consumer Credit Counseling Agencies Code of Practice; the adoption of the National Industry Standards for Homeownership Education and Counseling; forming a partnership with the Florida Housing Finance Corporation; becoming approved to operate as a debt management company in over half the union; becoming An Approved Provider of Credit Counseling and Debtor Education for bankruptcy and is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code, approval does not endorse or assure the quality of the Provider's services; and gaining the United States Department of Housing and Urban Development approval to provide comprehensive housing counseling services. Debthelper.com has provided assistance to over 100,000 families since its inception.
Paul maintains personal certification for financial management counseling through the Association for Financial Counseling Planning Education. Paul is a Florida licensed Mortgage Broker. Paul is exam qualified in the State of Michigan for provision of debt management services. Paul is a licensed provider of Credit Counseling through the State of South Carolina. Paul carries more advanced certification programs, including being a Federal Housing Authority Roster Home Equity Conversion Mortgage Counselor and Paul is a NeighborWorks� America Certified Housing Counselor.
A longtime board member of children's charity groups, Paul formed the non-profit, Videos for Kids (VFK), now known as "Little Smiles", in 1999 providing videotapes, DVD's, equipment and entertainment to children in local hospitals and hospices. Little Smiles has granted thousands of wishes to hospitalized children across Florida and provides support for families of terminally ill children.
Paul lives in Palm Beach Gardens, Florida with his wife Carrie and their son Brady.
How do you differentiate yourself from other businesses in your category and area?
We have superior customer service that can't be matched.
How many locations do you have and do you have plans to expand?
We are licensed to do business throughout the nation. We have locations in Massachusetts, Nevada and North Carolina.
Provide detailed directions to your location
We are on the NW corner of Palm Beach Lakes Blvd and Congress Ave. In the Chase bank building adjacent to the Palm Beach Outlets
What type of payments do you accept?
Money Orders, Check, Check by Phone, Web Payments, Visa, MC, Discover, Amex
Which areas do you service?
We currently service 48 states.
Who owns your company or runs daily operations?
Paul Donohue Jr, President
What are your hours of operation?
We are open Mon - Thurs. 9am to 9pm. Fri. 9am - 7pm. Sat. 10am - 5pm.
Contact Credit Card Management Services, Inc.:
