Top Credit Counseling Experts 2025

I have 24 years of experience in the credit counseling industry, specializing in operations, compliance, debt management, and consumer financial education. As Senior Manager of Compliance and Media at Money Fit, I ensure our programs meet strict standards for integrity, accuracy, and regulatory compliance. I am a HUD Certified Housing Counselor and serve on the Board of Directors for the Financial Counseling Association of America (FCAA). My work focuses entirely on nonprofit credit counseling. I help consumers understand the clear mechanics of regulated debt management versus the risks tied to for-profit debt settlement. Consumers deserve straightforward financial guidance that is realistic, responsible, and built for actual progress.

Are you enjoying a successful career, but still wondering where all the money goes each month? Do you picture yourself retiring comfortably or taking the vacations you've always dreamed of, yet worry your financial reality may fall short?Or are you at a point in life where you’re wondering if your money is truly working for you? Do you ever look at your income and think, “Why doesn’t it feel like enough?” despite years of hard work and financial stability? For many professional women, balancing bills with income doesn’t feel like it should at this stage in life. I understand. I’ve been there myself. After a major life shift, I faced debt, a low credit score, and no safety net. But a practical plan changed my trajectory, and now I’m passionate about helping others do the same. As an Accredited Financial Counselor , I work with women who are ready to take control of their finances & design a plan that works for their unique life. Together, we clarify spending habits, tackle debt, and create a tailored strategy to reach your financial milestones. Whether it's funding retirement, enjoying life more, or gaining the peace of mind you deserve, I support clients who want their finances to reflect the life they desire. *My mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. For 𝗼𝗿𝗴𝗮𝗻𝗶𝘇𝗮𝘁𝗶𝗼𝗻𝘀, I provide workshops that empower employees to manage their finances confidently, helping them feel supported, valued, and inspired to succeed both personally and professionally as well as enhancing productivity and satisfaction as they learn to achieve their financial goals.𝗖𝗢𝗡𝗧𝗔𝗖𝗧 𝗠𝗘 𝗧𝗢: Conduct personal finance workshops: https://bit.ly/4fVw96k Speak about personal finance as a panelist or keynote speaker: https://bit.ly/4fVw96k Schedule a free discovery call: https://bit.ly/3Av9yP0 Start a conversation by sending a Direct Message******************************************************Dr. Sev is founder of Bryan Financial Empowerment LLC (dba Sev Talks Money), a financial education and coaching company. She is a member of the Association for Financial Counseling and Planning Education , a graduate of and mentor for the Milestones Circles Program at Nasdaq Entrepreneurial Center, a graduate of the Bank of America Institute Women's Entrepreneurship certificate program at Cornell University and a member of the Henry County Chamber of Commerce.

As the CEO and Founder of Crusaders for Change® (C4C), LLC, our team delivers a specialized approach to financial stewardship that focuses on the human heart and the emotional weight of money as much as the numbers. Led by a team of Accredited Financial Counselors®️, we have built a dedicated space where genuine financial healing and long-term freedom are achievable for families from all walks of life. Within the corporate and organizational sector, we developed our signature Financial Wellness Program to directly combat the "silent tax" of financial stress that often plagues the workplace. By addressing these stressors through professional counseling and support, we partner with businesses to improve employee retention, boost productivity, and foster a culture of total well-being. Our commitment to community impact is further realized through our proprietary Community Financial Empowerment Series®, where we offer transformative educational workshops and personalized one-on-one counseling designed to help individuals regain confidence, clarity, and control over their financial futures. We also engage a global audience through the Yahweh’s Money® Podcast, which provides spiritual and practical stewardship guidance, and the Tickle My Money Bone!® platform, which utilizes humor and comedy to demystify complex financial topics and break down the barriers of money-related anxiety. With over two decades of professional experience and a highly decorated history of leadership, our mission remains centered on equipping families and organizations with the tools to transition from financial overwhelm to a future of abundance, resilience, and intentional peace.

Nationally recognized credit expert, author, podcast host, and dynamic speaker empowering individuals and professionals to achieve financial wellness through strategic credit management.

Writer, speaker author passionate about helping small business owners and consumers make…

When you think about money, how does it make you feel? Safe? Loved? Secure? Nervous? Anxious? Insignificant? Likely, it's a combination of emotions. Financial wellness is top-of-mind right now — or at least it should be. I work directly with globally renowned companies to provide customized, hands-on workshops for their employees, keynote speeches, bylined content, and consulting. Additionally, I provide private coaching services for individuals, couples, and families. We all have a relationship with money, which may even be a secretive one that we opt not to talk about with others. I am here to guide you in reshaping your emotions and relationship with money to help improve your life at home and at work. Let’s work together and explore your emotional relationship with money, which can reduce your anxiety, stress, and depression, while improving your overall health and well-being. Proud member of the Financial Therapy Association. Certified Financial Therapist CFT-I .

Need help resolving unpaid debts? Ciment Law Firm's debt defense attorneys can help. Whether you need a bankruptcy lawyer, student debt attorney, or debt relief attorney, we have you covered. At Ciment Law Firm, our legal team has over 15 years of experience in bankruptcy, debt collection defense, and consumer protection. Our goal is to assist our clients in resolving their unpaid debts, protecting their Texan rights, and rebuilding their credit so that they can move forward with their lives. To learn more about our debt defense solutions, please feel free to schedule a free case evaluation with us today. More Information: Business Email: info@cimentlawfirm.com Business Phone Number: (832) 210-2050 Hours of Operation: Monday-Friday: 8am-8pm

You don’t have a money problem. You have a relationship problem. If you are already a high-earning woman, you don’t need more money to fix your anxiety, you need a better relationship with the money you have. My mission is to empower high-achieving women towards financial and emotional intelligence through money mindset shift, behavioral financial planning, and somatic breathwork healing. It's time for a new approach. By refining your communication and relationship with your money, you can truly enjoy the freedom you've earned. #financialtherapy #financialplanning #moneymindset #wealthbuilding #financialcoach

Baruch Mann is an independent financial expert and commentator focused on consumer finance, investing, and personal wealth decision-making. He specializes in analyzing banking products, credit cards, investment platforms, and alternative assets, helping consumers understand costs, risks, and long-term trade-offs before making financial decisions. With years of hands-on experience reviewing financial products and market offerings, Baruch is known for breaking down complex financial topics into clear, practical insights grounded in real use cases and data. His work emphasizes transparency, fair comparisons, and consumer-first analysis rather than promotional narratives.

Christopher Zoukis, JD, MBA, is a nationally recognized federal prison expert. He serves as Managing Director at Elizabeth Franklin-Best P.C. and Zoukis Consulting Group, where his federal criminal defense practice focuses on federal appeals, post-conviction relief, compassionate release, clemency, and Bureau of Prisons policy matters. Mr. Zoukis is the author of six books on federal criminal defense and prison policy, including The Habeas Citebook: Ineffective Assistance of Counsel (Prison Legal News Publishing, 3rd ed. forthcoming 2025), Federal Criminal Defendant’s Handbook (Middle Street Publishing, forthcoming 2025), Directory of Federal Prisons (2020), Federal Prison Handbook (2017), Prison Education Guide (2017), and College for Convicts (2014). His Federal Prison Handbook received numerous awards, including the Reader’s Favorite Book Awards Gold Medal, the Next Generation Indie Book Award, and the Chanticleer Book Awards Instructional & Insightful Nonfiction Award. College for Convicts received the Eric Hoffer Book Award’s Montaigne Medal for the most thought-provoking book of the year. Mr. Zoukis earned his Juris Doctor from the University of California, Davis School of Law, where he served as Articles Editor of the UC Davis Law Review and received both the Witkin Award and Reynoso Award for Academic Excellence. He also holds an MBA and a BA in Interdisciplinary Studies from Adams State University. Major media outlets regularly seek his expertise. He has been quoted in CNN, Fox News, ABC News, Associated Press, USA Today, The Washington Post, The Guardian, Bloomberg Law, and Vice News, among others. He has contributed articles to the Huffington Post, New York Daily News, Prison Legal News, and Criminal Legal News. Mr. Zoukis’s Prison Law Blog was named a Top Law Blawg by the American Bar Association, and he was a finalist for the Society of Professional Journalists’ Mark of Excellence Award. He has assisted hundreds of clients with federal prison preparation, in-prison advocacy, and reentry matters, and is considered a leading voice on federal prison policy nationwide. Learn more about Chris at https://federalcriminaldefenseattorney.com/about/christopher-zoukis-federal-prison-consultant/

Certified Personal Finance Counselor hosting and producing business and financial content.

Edita Evoyan is a financial coach and business mentor who helps professionals and families make clearer, more confident decisions about money. With a background in architecture and interior design, she brings a unique, systems-based approach to financial strategy: simplifying complexity, building structure, and helping people design plans that align with real life goals. In her work, Edita focuses on practical financial education, retirement planning concepts, risk awareness, and long-term wealth-building habits. She’s known for translating intimidating financial topics into simple language, helping audiences cut through noise, misinformation, and overly technical advice. Edita also mentors and trains aspiring financial professionals on communication, leadership, and building an education-first business with integrity and compliance in mind. She frequently speaks on the mindset shift from employee to owner, creating additional income streams, and building scalable skills without sacrificing family priorities. Media outlets typically feature Edita for approachable commentary on financial confidence, modern wealth habits, retirement planning basics, and the real-world behaviors that drive better outcomes.

Daniel Cohen, Esq., the Founding Partner of Consumer Attorneys, began his legal career as a New York litigator in consumer protection law. Under his leadership, Consumer Attorneys has grown into a BBB A+ rated national powerhouse with over $100 million recovered for clients and recognition as a highly impactful consumer reporting law firm. With a primary focus on FCRA-related litigation, Dan maintains an active client roster, while also overseeing the firm’s strategic branding, marketing, client intake, and business development efforts. He is also an experienced class-action attorney, a member of both the National Association of Consumer Advocates and the National Consumer Law Center, and a regular contributor to national media stories seeking legal insight on consumer protection issues. Dan holds a degree in Humanities from Thomas Edison State College and a JD from Arizona State University’s Sandra Day O’Connor College of Law. He is licensed to practice in New York and Arizona. Dan is also incredibly proud to have harnessed personal experience and legal fortitude to become an outsized champion of disability rights in the workplace, the digital space, and beyond. In particular, Dan’s focus has been on advancing digital accessibility for low and no-vision consumers navigating an e-commerce industry that largely ignores their needs and rights. When he isn’t busy advancing consumer and employee protections, Dan exercises his business acumen through the creation and expansion of other legal-adjacent tech brands, each of which experienced extraordinary growth under his vision.

I work in the personal finance space and have a deep interest in understanding how money, credit, and financial decisions impact everyday people. Over the past 7+ years, I’ve spent a lot of time researching and learning about loans, credit behavior, lending systems, and personal money management. My main focus has been helping people understand topics like loan eligibility, EMI planning, credit scores, and borrowing decisions before they apply for a loan. I enjoy breaking down complex financial concepts into simple insights that are easier for everyday borrowers to understand. Beyond loans, I closely follow trends in personal finance, lending, credit systems, and financial planning, and I’m always interested in learning more about how individuals can make smarter financial choices. My goal is to make financial information clearer so people can better understand their options and avoid costly financial mistakes.

With nearly three decades of experience, Kevin S. Neiman has helped countless clients in state and federal courts. Providing exceptional client service and representing clients with superior professionalism are the primary goals of Mr. Neiman. His experiences have shaped him into a strong advocate and strategist for all his clients, regardless of the case's complexity. He strives to be the consummate professional and a responsible civic caretaker. Specializing in practice areas arising out of distressed situations such as personal or business financial problems and commercial disputes, his mission is to assist clients in achieving their goals in a professional, efficient, and effective manner.

As a licensed psychotherapist with over 25 years of experience, I provide individual, couple, and family treatment at Samaritan Counseling Center of the Capital Region. I also offer telehealth services and accept most insurances. My goal is to help people change and progress in their lives by examining their assumptions and understanding their origins. I am also a clinical approved supervisor at AAMFT, where I mentor and nurture the strengths and resources of marriage and family therapists and trainees. I have a PhD certificate in psychodynamic psychotherapy from the Institute for Clinical Social Work and post-graduate training in neuroscience and clinical treatment from Harvard Medical School. I am certified in grief counseling, social work health care, gerontology, advanced bereavement, PASRR, disaster mental health critical responder, and QCSW. I am committed to refining my clinical and supervisory skills and staying involved in the professional mental wellness community. I am licensed in NY and in AZ. Please review my LinkedIn profile for additional information about me. Thank you for your interest in my passions.

A highly motivated and detail-oriented professional with a strong foundation in marketing and management, holding a double major in both disciplines. Experienced in human resources across non-profit and for-profit sectors, as well as in marketing, bringing a versatile skill set to any organization. Known for exceptional organizational skills, a keen eye for detail, and a dedication to continuous growth and learning. Passionate about driving efficiency, fostering positive workplace culture, and contributing to strategic business success through hard work and adaptability.

I’m Eric Pemper, Managing Member at CuraDebt, where I help consumers understand (and compare) real-world options for getting out of high-interest debt and resolving tax debt. I specialize in debt settlement fundamentals, creditor negotiation dynamics, IRS/State tax resolution pathways, and the practical “what actually works” steps people can take to reduce monthly pressure and regain financial stability. I’m frequently focused on the details that matter to readers: eligibility basics, common mistakes, hidden fees to watch for, how to vet companies, how timelines and outcomes really vary, and how credit is typically affected short-term vs. long-term. I also bring a compliance-first lens (advertising/telemarketing rules, disclosures, and consumer protection), so quotes stay accurate and editorial-safe. I’m happy to provide concise, actionable comments, quick myth-busting, and clear explanations for everyday readers—especially around credit cards, personal loans, budgeting under stress, debt relief alternatives, and tax payment/settlement options.

I have a passion for helping individuals and families achieve financial freedom and success. This is achieved through a complete financial analysis that I call a “Your Financial EKG .”