Our Mission

We believe everyone deserves clear, trusted debt guidance delivered with compassion.

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How we help

We start by listening — really listening — to your story. Every financial situation is unique, and so is every path forward. Our role is to bring clarity and expertise to what can otherwise feel overwhelming.

We help you understand your options in plain language, connecting you with debt solutions that have been carefully researched and vetted by people who genuinely care. Our team studies dozens of programs, looking not only at the numbers but also at real-life outcomes from people in situations like yours.

From there, we work with you through a simple, transparent process designed to replace uncertainty with confidence. You’ll leave with a clearer picture of where you stand, what’s possible, and what steps to take next.

Our process

We believe financial help should come with integrity. That’s why we don’t lend money, sell products, or profit from your choices.

We also don’t promise quick fixes. Real financial change takes time, understanding, and consistency. What we can promise is a team that’s in your corner: kind, informed, and committed to helping you rebuild with dignity.

We treat every person with respect, protect your privacy, and put your best interests first. Because at the end of the day, our mission isn’t just to help you manage debt, it’s to help you regain peace of mind and the freedom to move forward.

A Collective Kindness® program

We don’t profit from your debt

Our fee is $350, with our donors covering the balance of the cost of the experts, administrators and technology that we bring together to provide your personalized path out of debt, typically saving you over $10,000 in the first year.

If cost is a concern, reach out and we’ll work with you on a case-by-case basis.

No hidden costs
or obligations

Services partially subsidized
by donors

Confidential,
judgment-free process

Tailored solution to
your needs

We are endorsed and partner with the OU’s Living Smarter Jewish team

What We Offer

  • Honesty – Straight talk about your situation and options
  • Expert advice from people who genuinely want to help others
  • Connections to dozens of debt solutions with deep research and understanding to find the most valuable ones, with many data points from case studies similar to yours.
  • A 3-step process to give you clarity and a concrete gameplan

What We Don't Offer

  • We don’t enable destructive financial habits
  • We don’t offer financial assistance or loans
  • We won’t do the work for you
  • Any referral fees offered by 3rd parties are passed down to you, the customer.
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We’re here to help

Your journey towards exponential growth starts here.

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Our Partners