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Yes, most of their counseling services, including debt counseling, are free. However, specialized services such as their Debt Management Program (DMP), reverse mortgage counseling, and home-buyer assistance may have associated fees.

For your initial session with them, it's helpful to understand your income and expenses. It's recommended that you have recent bill statements handy, including utilities, credit cards, mortgages, auto loans, and student loans. They will also need to know your monthly income, including your spouse's or financial partner's, to create a comprehensive financial picture.

While enrolled in their debt management program, the credit cards included in the program will be closed. However, most creditors typically allow you to keep one card open for emergency expenses and travel.

They have physical locations in 22 US states: AZ, CA, CO, FL, GA, ID, IL, IN, MI, MT, NE, NV, NH, NJ, NY, OH, OK, PA, TN, TX, WI, and WY.

Even though they claim not to contact the credit bureaus on your behalf, any closing of credit lines during the enrollment process may cause a temporary dip in your credit score. Over time, most individuals see an increase in their scores as they consistently make full and on-time payments each month. 

The company is a neutral third party that connects you with your creditors and is not a subsidiary of any financial institution.