Novadebt, A Garden State Consumer Credit CounselingSM organization, is a non-profit, financial
management, social service agency. It is our mission to provide financial education to the
public including free housing and credit counseling services to families and individuals
in need. Novadebt provides exceptional counseling services that are available to the public
regardless of income, financial situation, type of credit card debt or amount of indebtedness.
Founded in Freehold, New Jersey in 1991, Novadebt 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. We are also a founding member of the
Association of Independent
Consumer Credit Counseling Agencies (AICCCA).
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.
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Counseling
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.
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Housing Counseling
Novadebt 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
counseling.
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Community Outreach
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, Novadebt
reaches out into our communities in which we live and work.
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Bankruptcy Counseling
Novadebt 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.
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Financial Education
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.
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Debt Management Plan
After the review of the information provided during the counseling session, your counselor may recommend
our Debt Management Plan.
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