PLAN AHEAD! Happy Thanksgiving! Our credit counseling department and Help Desk will be on break from 8 PM MST (10 PM EST) on Wednesday, 11/23 through Saturday, 11/26. We'll resume regular hours on Sunday, 11/27.
The counseling is required to be personalized and substantive, focusing on your particular financial situation and options for your debts. For this reason, you can expect to have at least 3-5 email exchanges as you and the counselor discuss your current and future financial situation.
It can take up to 60 minutes for a counselor to respond to each email.