The First Step Is the Bravest One
Whether you’re behind on bills, buried in debt, or reeling from a scam, we’re here — confidentially, compassionately, and without judgment. No shame. Just a plan.
Facing a shutoff, eviction, or foreclosure notice — or think you’ve just been scammed?
Call us today — time matters. If you’ve been scammed, contact your bank immediately and report it at ReportFraud.ftc.gov.
If money stress has you in emotional crisis, call or text 988.
From First Call to First Steps
Most people leave their first session with a clear plan — and often take their first steps within a week.
Confidential Call
Talk with a caring counselor about what’s going on. It takes about 15 minutes, and there’s no obligation.
Free Financial Review
Bring your bills and statements — we look at everything together, line by line, without judgment.
Your Personal Plan
We explain every option in plain language and build a realistic plan around your budget and goals.
First Steps
We help you contact creditors, set up your budget, and get moving — often within a week.
Request a Free Callback
Fill out this short form and a certified counselor will reach out within one business day to schedule your free financial review.
- Your information is encrypted and kept confidential
- No credit check and no obligation to enroll
- We’ll never sell or share your details
Prepare for Your First Session
Don’t worry about having everything perfectly organized — that’s what we’re here for. These help us see the full picture.
Please bring
- Recent pay stubs or proof of income
- A list of your debts and recent statements
- Your monthly bills
- Your credit report if you have one — we can pull a free one together
- Any collection or court letters
Good to know
- No credit check needed to talk to us
- Counseling is free and confidential
- We never ask for upfront fees
- You’re never pressured to enroll
- Bring a spouse or partner if you share finances
Questions We Hear Often
Will this hurt my credit?
Talking with a counselor never affects your credit. Enrolling in a debt management plan usually closes the enrolled credit cards, which can cause a small, temporary dip — but steady on-time payments typically help your score recover and grow over time. We’ll walk through exactly what to expect before you decide.
Do I have to be religious?
Not at all. White Cross Agency is faith-based, and our optional Faith & Finances program is open to anyone who wants it — but it is never required. People of every faith and none are welcome.
How long does a debt management plan take?
Most plans are completed in 3–5 years, depending on how much you owe and what you can afford each month. Many clients finish early by adding extra payments as their situation improves.
Is counseling really free?
Yes. As a donor-funded nonprofit, our counseling, credit report reviews, and workshops are free. Debt management plans have a small, capped monthly fee (no more than $35/month), which we waive for hardship.
Can you get back money I lost to a scam?
We’ll be honest: no one can guarantee that lost money will be recovered. What we can do is help you report the fraud, dispute charges with your bank, freeze your credit, and protect your identity so it doesn’t happen again.
Be very careful of anyone who charges an upfront fee to “recover” your funds — those offers are almost always a second scam.
Is my information confidential?
Yes. Your information is encrypted, kept strictly confidential, and never sold or shared without your written permission.