NovadebtSM, A Garden State Consumer Credit CounselingSM organization, is a non-profit,
financial management, social service agency. It is our mission to assist families and
individuals in need by providing free financial education, community outreach and housing
and credit counseling services; all with compassion and the utmost commitment to quality
Founded in Freehold, New Jersey in 1991, NovadebtSM provides a wide range of services including:
Free counseling to consumers in need; Education programs through workshops, courses and
written material; Debt Management Plan to provide debt
relief for applicable consumers; and Housing counseling services in the areas of pre-purchase,
default and reverse mortgage.
Our agency is an advocate of financial education for the community at large and our focus
is to provide these services in order to meet the needs of consumers. Our goal is to help
the community and our clients achieve and maintain financial stability.
Our Certified Counselors will take an in-depth look at your financial situation. By reviewing
your information, we can determine the appropriate solutions that will best benefit you and
your needs. Everyone's situation is different, which is why it's imperative that we create a
personally designed plan of action that will assist you.
NovadebtSM is approved by the U.S. Department of Housing and Urban Development as a Housing
Counseling agency providing pre-purchase, default/foreclosure and Home Equity Conversion mortgage
As a non-profit offering financial education and counseling services to individuals in our
communities, we become acutely aware of numerous other needs that exist. As a result, NovadebtSM
reaches out into our communities in which we live and work.
NovadebtSM has been approved to issue certificates evidencing completion of counseling and/or a
personal financial management instructional course in compliance with the Bankruptcy Code.
Approval does not endorse or assure the quality of a Provider's services.
By visiting our education library, you will have access to a variety of material on several
different financial topics that may be of help to you. Feel free to view the material to find
useful information that is suitable to your needs. All material is free of charge.
Debt Management Plan
After the review of the information provided during the counseling session, your counselor may recommend
our Debt Management Plan.
Student Loan Counseling
Are you one of the millions struggling with Student Loan Debt? Dont give up. Our certified counselors can help determine which repayment programs are available to you. If you choose to pursue a repayment program, we can also assist you with the application process. Its free and easy to do, so get started today...