The Atlantic Credit Foundation, Inc. was founded in 2001 as a 501(3)(c) not-for-profit organization. As a credit-counseling agency, we are committed to providing the highest quality service to our clients and the community. We strive to differentiate ourselves by going the extra mile in helping individuals reduce personal debt and improve their credit-worthiness.
The Atlantic Credit Foundation was founded to provide community-based programs that assist individuals and families overcome financial difficulties through counseling and education.
Thanks ever so much for all of your help with my finances. Through your assistance, I was able to pay off most of my debts, and get my life under control. You were professional, helpful, and supportive in your efforts to help me get back up and on my feet. -Dave S., Baltimore, Maryland
I could not have done it without you! - Lori G., Higganum, Connecticut
Thank you, Thank you, Thank you. If it wasn't for all of you, we wouldn't be out of the mess of overspending that we got ourselves into. Hopefully we've learned from our mistakes. You've been supportive and didn't judge us and we appreciate that Rae O., Harwich, Massachusetts
a. Credit Counseling Sessions
(1) In a confidential session, we will review your complete financial picture. Just like when you go to a doctor's office, we need to run some tests.
First, we need to review all of your monthly expenses and monthly income. Next, we need to determine the reasons why you got into debt and what options and solutions are available to you.
Finally, we will then present to you a FREE action plan outlining what we feel is in your best interest. This is all free and part of our dedication to the community.
(2) In some cases, a debt management program, or DMP, will be recommended to you. This is probably the program most people are familiar with. If we feel this is the right program for you, a certified credit-counselor will explain the fees involved and benefits to be enjoyed.
b. Housing Counseling
If you own a home or are looking to rent or buy a home, or any other housing-related issue, please contact our office for a free housing counseling session.
This is all free and part of our dedication to the community.
c. Pre-Bankruptcy Counseling (including, certificate issuance)
In certain cases, bankruptcy will be best solution for you. If we feel that bankruptcy is your best option, we will refer your case out to an attorney who will further discuss your case. Please be advised that an attorney is only person who can properly advise you of your legal rights regarding bankruptcy.
After you have spoken to an attorney, we can provide your attorney with a pre-bankruptcy certificate. This certificate is required in order to file bankruptcy. A certified credit-counselor will explain the fees involved with this program.
d. Post-debtor education course
Once you have filed bankruptcy, you will need to undergo an education course. Our debtor education course has been approved by the US Trustee's Office. Please visit the below link to get started.
Please click here for the debtor education course.