Get Started with Your Free Consultation

To help you get started, schedule a free consultation with a financial counselor. The consultation is usually conducted by phone for your convenience. The brief initial consultation allows you to talk with a financial counselor about your financial situation and discuss available options, including making an appointment for financial counseling.

Options to schedule consultation

We offer two options to schedule your free consultation where we will be asking you information about your situation to better help us understand and get you to a better place financially quicker. All information you provide will be kept confidential.

Apply online

Once you have submitted your information online, we will contact you within one business day to arrange a time for you to talk with a certified financial counselor (typically by phone).

Register now

Note: The online application is not designed for use with cellphone or other mobile devices.

Call us

Call 800-366-8161 8 a.m. to 4:30 p.m. Monday – Thursday and 8 a.m. to 4 p.m. Friday.

We will set up a time to meet as well as send you a form you’ll need to complete to prepare for your appointment.

If after your consultation, you would like to schedule a financial counseling appointment or if you schedule a financial counseling appointment without consulting with the financial counselor beforehand, a $25 counseling fee will be collected at your first counseling appointment. This fee includes a Debt Management Plan (DMP) set-up fee, if applicable. If you believe you are unable to pay the $25 counseling fee, a counselor will determine if the fee can be waived.

Cash and money orders made payable to Goodwill NCW are accepted at all offices. Debit card payments are available at most of our offices. Please ask about payment options.

My sincere gratitude to everyone at [Financial and Debt Solutions] for helping me through the most difficult time in my life. I had always had a great credit score and paid my bills on time. Then I had a turn of events in my life-illness, medical bills and reduced income. I started to use credit cards and fell deeper in debt. But, never did one of your counselors treat me with anything but the utmost respect. Thank you everyone. You are such an asset to our community.”