Login To Your Account


Financial Freedom Community

This site is a resource for Financial Education, Debt Solutions and Tools to assist with Credit Management. All the resources on this site are free of charge. We encourage visitor feedback, Tell us what you want to see more of! Sign up for news & updates and we'll keep you posted on the latest!


Community Resources
Consumer Protection
Employment Resources
Financial Assistance
Health and Human Services
National Resources
Seniors Resource Center
Tax Resources
Getting Ready to FIle Your Federal Tax Return
Transcript – Getting Ready to FIle Your Federal Tax Return
Info Graphic – Getting Ready to FIle Your Federal Tax Return
The Importance of filing your Tax Return or Tax Extension on Time
Transcript – The Importance of filing your Tax Return or Tax Extension on Time
Info Graph – The Importance of filing your Tax Return or Tax Extension on Time
Most Common Tax Filing Errors
Transcript – Most Common Tax Filing Errors
Info Graphic – Most Common Tax Filing Errors
Owing Money To The IRS
Transcript – Owing Money To The IRS
Info Graphic – Owing Money To The IRS
What to do with your tax refund
Transcript – What to do with your tax refund
Info Graphic – What to do with your tax refund
Consumer Personal Loans
Credit Card Debt
Advantages of Making Credit Card Debt Payments on Time and Other Tips
Avoiding Credit Card Traps
Credit Card Counseling – Learn Credit Management Tips
Credit Card Debt and Simple Ways to Consolidate Them
Credit Card Debt Consolidation Nationwide Epidemic
Credit Card Debt Consolidation Solutions
Credit Card Debt Help for Senior Citizens
Credit Card Debt Reduction
Credit Card Debt Solutions That Can Help
How to Pay Your Way Out of Credit Card Debt
Paying Off Your Holiday Credit Card Debt
Prevent Identity Theft With a Credit Freeze
Saving Money on Your Credit Card Bills
Terminate Credit Card Debt Without Consolidation
Tips on Credit Cards, Part 1
Credit Collection Laws
Credit Repair Organizations Act
Fair And Accurate Credit Transaction Act
Fair Credit Billing
Fair Debt Collection Practices – Know Your Law
Statute of Limitations
The Fair Credit Reporting Act
The Fair Debt Collections Practices Act
The Truth In Lending Act
Credit Counseling
Can Consumer Credit Counseling Help Avoid Foreclosure
Credit Card Counseling
Credit Counseling a Must for Bankruptcy
Credit Counseling Benefits
Credit Counseling Can Reduce Your Debt
Difference Between Credit Counseling and Debt Settlement
Free Credit Counseling to Help Manage Your Debt
Using Credit and Debt Counseling to Manage Your Finances
What Can Credit Counseling Offer You?
What is Credit Counseling
What to Ask a Credit Counselor?
Credit Education
Balance Transfers — Are they really free?
Transcript – Balance Transfers – Are they really free?
Info Graphic – Balance Transfers — Are they really free?
Consumer's Rights
Establishing New Credit
Finance Charges
What Are Secured Credit Cards
Transcript – What Are Secured Credit Cards
Info Graphic – What Are Secured Credit Cards
Credit Reports and Scores
Credit Repair After Bankruptcy
Do you Know the Benefits of Checking your Credit Report?
2016 Understanding Consumer Credit Guide
DCC Educational PDFs
Debt Consolidation
4 Valuable Tips on Debt Consolidation
Become Debt Free With Financial Advice
Benefits of Debt Consolidation
Bill Consolidation Loans
Bill Consolidation Advice to Help With Debt
Credit Consolidation: Is It Worth Taking?
Debt consolidation and Ways to Avoid Scams
Debt Consolidation Explained - What Happens if You Don't Pay?
Debt Consolidation Loans
Debt Consolidation Loans for Payday Loan Debt
Debt Consolidation Non-Profit
Debt Consolidation Now Will Improve Your Credit Score Later
Debt Consolidation Provides Relief from Financial Stress
Debt Consolidation Services Helps to Clear Debts
Debt Consolidation – Find Relief To Your Financial Stress
Debt Management Program
Debt Management Program Will Ease Debt Burden
Do You Need Debt Consolidation?
Get a Debt Consolidation Loan to Manage Bad Debts
Government Debt Consolidation Loans
Government Debt Consolidation Loans for Student Loans
How to Consolidate – Debt Help – Consolidate Your Debt Payments
How to Consolidate Bills Effectively When Left in Debt
How to Consolidate Debt
Let the government help you consolidate your debts
The Advantages of Credit Consolidation
Understanding Debt Consolidation Loans
Debt Girls
About The Girls
Debt Settlement
Debt Settlement Scams
Info Graphic – Debt Settlment Scams
Transcript – Debt Settlement Scams
Elderly Can Benefit from Debt Settlement
Financial Tools & Calculators
Bill Reminder Tool
Bill Reminder User Guide
Car Loan Calculator
College Savings Calculator
Credit Card Payoff Calculator
Mortgage Loan Payment Calculator
Retirement Calculator
Savings Calculator
Loan Modification Guide – Do It Yourself
Frequently Asked Questions
Step 1: Prepare yourself
Step 2 Gather the necessary documents
Step 3 Know what to expect
Step 4 Contact your lender
Step 5 Review your loan-modification plan
Step 6 Finalize the approval and begin making payments
Phone Apps
Home Buying
Build or Buy a Home
Choosing a Real Estate Agent
Home Equity Interest Rate Charges
Home Equity Line of Credit
Home Equity Loan Fees
Lease Buy Backs
Transcripts – Lease Buy Backs
Info Graphic – Lease Buy Backs
Managing Your Mortgage
Mortgage Basics
Mortgage Debt Elimination, 3 Things You Must Know
Quick Guide to Loan Modification
Transcript – Quick Guide to Loan Modification
Info Graphic – Quick Guide to Loan Modification
Real Estate Laws
Renting vs Owning
Interesting Money Articles
12 Amazing Facts about Credit Card Debt
12 More Interesting Facts About Money – Part 2
24 Amazing Pictures of Money
Introduction To Budgeting
7 Steps to Successful Budgeting
All You Need to Know About Budget Basics
Basics of Personal Budgeting
Budgeting – How Much?
Debt Management and Prevention Using a Budget
How to Pay Off Debt – Start Budgeting
Maintaining and Budget Planning
Manage Your Debt by Learning How to Budget
The Basics of Budgeting
Transcript – The Basics Of Budgeting
Info Graphic – The Basics of Budgeting
The Importance of a Household Budget
Managing Debt
1 in 10 Having Wages Garnished
Advanced Fees For Unsecured Loans
Info Graphic – Advanced Fees For Unsecured Loans
Transcript – Advanced Fees For Unsecured Loans
Debt Relief The Issue of Forgiveness
Get Out of Debt by Changing Your Financial Habits
Personal Finance Management to Reduce Debt
Start Early Teaching Kids Money Management and Savings
Saving Money
Banking & Credit
Energy Saving Tips
Info Graphic – Energy Saving Tips
Transcripts – Energy Saving Tips
Enjoy the Holidays Without Breaking the Bank
Info Graphic – Enjoy the Holidays Without Breaking the Bank
Transcript – Enjoy the Holidays Without Breaking the Bank
How 'Charge Offs' Effect You
Insurance & Housing
Money Management Means Setting Goals
Save Money When going to work
Transportation Savings
Utilities and Savings
What Debt Should You Pay First?
Young Couple Finances
Student Loan Debt
Student Loan Default Penalties
Consolidate Student Loans
Student Aid
Student Loan Tips for Recent Graduates
Student Loans and the Credit Squeeze
Types Of Debts
Auto Loan Prepayment Penalties
Balance Transfers
Credit Card Minimum Payments
Gambling Debt Problem Gambling and Bankruptcy Connection
Holiday Credit Card Debt
Ideas To Save
Inherited Debts?
Six Easily Avoidable Causes of Debt
Ways to Pay Off Holiday Debts
Video Library
Personal Finance Video library
Tax Tips Video library

Free Consultation

McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Latest Headlines

Latest Infographics

Most Popular Articles

Delray Credit Counseling Reviews



I could not be happier with the way Delray has helped me, my trust was very low and credit card debt was so high .My representative was Dianna she was great, she calmed my fears and told me I was doing the right thing somehow with her kind voice I believed and with a little less than four years I am credit card debt free 39,000 plus
Thank You

Minnie B    Ga   

An unbelievable company that is really out there to help the people. They charge the lowest in fees, but their customer service is far an away better than any other company I have come in contact with. Before I found Delray I went to a few other places and they just did not treat their clients like people. Laura, one of their customer service reps, I have talked to often through the two times I have used them and her compassion is amazing. She is always willing to help the client and make sure that paying off their debt doesn't have to be stressful like the collectors make it. I say this is my second time because I pulled myself out of debt and now I am going through the process with my Wife. I would recommend Delray to anyone in need of consolidation of their debts. THANK YOU DELRAY!!!!

Michael    Illinois   

Thank you for helping me with my debt when I most needed

milagros marroquin    Lake city   

I just signed up with this debt relief co. My customer service rep Dianna was so awesome giving me great advice of how to pay off some of my debt. She spent a lot of time with me making sure I understood everything. This is just what I needed and the service provided was the best! I would definitely recommend this co. To anyone who needs help paying down some or all of your debt and they make a monthly payment automatically for you! TY Dianna and Delray Credit Counseling.

Ann J    MA   

So far so good. I just started, and the process did not dissappoint. I was very pleased with "Rebecca". she explained everything thoroughly and made me fill comfortable, gave good examples of reasons to go this route, Very Pleased. I felt the burden lift. Thank the Lord for this help and all those that contacted me.

Sharon B    Oklahoma   

I gave a 4.0. Because I would like to see a balance column on my account page. This would make easy to state up to date with the accounts as they are paid off. Other than that I am very happy with the service and no hassle processing.

Audrey    FL   

Like a lot of you was worried sick about my debt especially as I was leaving the country and did not want to leave debt behind. Delray were amazing and helped me through every step of the way. Now as of today I am debt free. Use Delray and you will soon be debt free as well. I thank you all at Delray credit Company, you made it so doable.

Marie    dc   

As I wind down my program I want to give kudos to Delray. We entered the program in 2011 with 50,000 in debt. The folks at Delray worked very hard at getting everything in order for us. If you are going to use this program please understand what it is. If you are trying to screw your creditors by getting someone to get you reduced payments on what you owe you don't need Delray. Delray will work with your creditors to get fees eliminated and interest on your balance reduced. This they do well but they are not going to get you forgiven for the money you have borrowed or a portion of it that is not the business they are in. They will however get you set up with all your creditors to have payments made through their service. Look just let them ACH the money from your account. Partial payments will not do as you are now on a debt reduction plan approved by you and all your creditors. ACH the payment and you will never hear from Delray unless there is a problem. Quite frankly our payment was more then if we paid the minimum each month to the credit company, but here 4 1/2 years later I am out of debt. had I went at it on my own I would still be struggling to get these bills paid. Would I have liked to have some of that payment back each month? Hell yeah almost every month. But you must learn to make do and sacrifice for this very good program to work for your benefit. if you want to play games with Delray then it won't work and every bad review I have read on the company that is exactly what was happening. It is a wonderful program. Use it correctly and you also will soon find yourself out of debt and free!

Patrick    NC   

Amen To the people who said the world was lifted off their shoulders ! I too am working with Jarab, so kind and very professional. I was so stressed regarding my situation and even though I can't start till the 4th of March I feel so relieved with this program ! So Thank You Jarab at DelRay CC you are very much appreciated!

Jeri    California   

The best decision that I ever made. They made the process so easy, and affordable. I made the call to them, then they handled everything from that point on. I am now debt free thanks to Delray. This is a company that really cares about people!! I have passed their name on to everyone looking for help.

Geri    Ohio   
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams