Assisting consumers in meeting their fiscal responsibilities and reaching their financial goals through ethical education, credit, housing counseling and homebuyer programs.

President’s Message

Over the years SafeGuard has provided assistance and guidance to thousands of consumers with a focus on integrity, education and quality. From our inception, the principles of SafeGuard have remained clear and have set us apart from other organizations in the industry. This philosophy emanates from within our executive management team and reaches throughout our entire agency.


SafeGuard is an organization with a focus on our clients and the communities we serve. We strive to provide an unparalleled commitment to ensure the highest levels of integrity, education and quality assurance.

SafeGuard's Integrity:

We are committed to the highest degree of integrity and ethics. All SafeGuard employees sign our Business Ethics and Corporate Policy which ensures that all employees will uphold our high standards, confidentiality and integrity. Our counselors do not receive a commission and therefore you will find they will not try to push a consumer into a debt management program. Our fees and requests for contributions are nominal and are there to ensure we can continue to provide the highest level of service and educational programs to all consumers. SafeGuard processes and manages all of our clients’ debt management accounts without using any third-party processing companies, thereby assuring control and quality of our many services. As a member of the Financial Counseling Association of America (FCAA) we remain as strong proponents of high standards and consumer advocacy in the credit counseling industry. In addition, SafeGuard is an affiliate of HomeFree USA and has adopted the National Industry Standards for Homeownership Education.

SafeGuard Smart Programs:

SafeGuard provides many programs and services to help the communities that we serve.


In order to provide a foundation of knowledge for consumers on various aspects of personal finance, SafeGuard has established SafeGuard Smart Programs. In connection, SafeGuard regularly conducts free seminars on a wide range of topics that are open to the 


public and geared towards offering practical advice, assistance and education along with providing the proper tools on managing personal finances.


In addition to our educational seminars and programs we offer debt management plans, pre & post-bankruptcy counseling, housing counseling which includes foreclosure prevention, homebuyer education, credit & budget education & short sale buyback programs. 


SafeGuard is also very proud of our Neighborhood Stabilization Initiative. (NSI) Within our NSI we purchase vacant homes, rehab them and get them back to the market for purchase by LMI families & first-time homebuyers.

SafeGuard's Quality Assurance:

Our counselors have a rich and extensive knowledge base and possess the skills to assist our clients. They are compassionate and diligent and strive to provide the best advice and options to meet the needs of each individual. Our dedicated client care representatives provide the highest level of quality service and consideration that is necessary to ensure our clients’ interests are protected and remain confidential. SafeGuard consistently evaluates and enhances our interlay procedures and systems on a continuing basis and we consistently make upgrades in order to best service to our clients and the public. The number one and most important goal of SafeGuard will always remain the needs of our clients and the community .


We know the consumers who contact us are experiencing difficult times. SafeGuard strives to help each one of them cope with their current financial situation and to develop a plan to successfully achieve their current and future financial needs and goals.

SafeGuard is proud of our mission, accomplishments and recognizes the many challenges which are ahead. You can be assured that every employee at SafeGuard will work to establish and maintain our reputation and standards of excellence in client service, integrity, education and quality assurance.

Sincerely yours,
Michael J. Smith
C.E.O. & President

SafeGuard Credit
Counseling Services, Inc