Trouble Managing Your Monthly Bills?

If you’re having trouble managing monthly bills, take the first step by reaching out to a certified Credit Counselor who will work with you to gain an in-depth understanding of your unique financial situation and develop a personalized plan for moving forward. When appropriate, we can also work with your creditors so you can pay off your debt in less than five years through Navicore Solutions’ Debt Management Plan.

Navicore Solutions’ Credit Counselors are certified through the National Foundation for Credit Counseling (NFCC). As a nonprofit organization, we are committed to providing unbiased and compassionate financial guidance and taking as much time as you need to get your finances back on track. Our services are available to US residents across all 50 states. All sessions are completely confidential and can be conducted by phone. Simply contact us at 1-800-992-4557. You can also get started online or schedule an in-person or phone session at your convenience, below.

How It Works

Our certified counselors will conduct a complete budget analysis to assess your monthly financial profile. Upon completion of the analysis, the counselor may offer suggestions for cutting expenses and/or increasing income. Counselors may refer to our Counselor Resource List, an extensive compilation of other social service organizations that can help with utility costs, prescription costs, childcare costs, and a host of other needs. Also offered is our budgeting program, Budgeting Steps and Tips, which will guide you through a 4-week expense and income tracking program to help establish a budget that fits your needs.

Based on the information provided during your counseling session, your certified Credit Counselor may recommend a Debt Management Plan to help you pay off your debt years faster.

  • Get Started Now!
  • Share Your Unique Story
  • Chat With One Of Our Certified Counselors
  • Create A Plan

I just want to take this opportunity to say thank you to all of the people at Navicore Solutions that have helped me along the way and helped me in an area that I am not good in. Each and every one of the people I was in contact with over the years were nothing but great, knowledgeable, understanding and caring...All of you are wonderful and Navicore Solutions is a great organization. It is comforting to know there is help out there when people are in financial need. Again, thank you.

Frances T.
Credit Counseling
New York

Frequently Asked Questions

The length of a counseling session varies based on your individual situation. We recommend planning to spend at least 45 minutes with your counselor, who will devote as much time as you need in order to answer your questions and discuss the best options for you, based on your individual circumstances.

If any of these scenarios apply to you and your situation, it is a good indication that you may benefit from a counseling session with one of our certified counselors:

  • Do you find it challenging to pay your bills on time, or at all each month?
  • Do you feel that there is no money left over after you pay your basic expenses or are you experiencing difficulty paying for your basic living expenses?
  • Are you not sure where your money seems to be going each month?
  • Do you feel that you may need to get a better understanding of your financial situation?
  • Do you want to gain control of your overall financial situation but are unsure of how to get started?

The majority of our sessions are conducted over the telephone. Simply contact us at 1-800-992-4557 or you can get started online. Your information will be submitted directly to one of our certified counselors who will review the information and contact you as soon as possible. If you prefer, an appointment can be made for an in-person counseling session in most of our office locations.

Every Navicore Solutions Credit Counselor undergoes extensive financial counseling training and is required to be certified through the National Foundation of Credit Counseling (NFCC). Certified Credit Counselors must also maintain their certification by attending Professional Development classes and workshops.

A counseling session allows our certified counselors to take an in depth look at your financial situation. By reviewing your situation, your counselor can determine the solution that will best benefit you and your individual needs. As everyone’s situation is different, it is very important that your counselor create a personally designed plan of action with appropriate resources and recommendations that will assist you.