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

Credit Counseling

After a thorough review of your information provided during your Free Debt Analysis counseling session your counselor may recommend our Debt Management Program (DMP). On a DMP we will work with your creditors to possibly:

  • Reduce or eliminate your interest
  • Waive late or over the limit fees
  • Lower your payments
  • Consolidate your debt into one simple and affordable payment
  • Get you out of debt in 5 years or less!!

All the specific benefits of a DMP will be clearly explained to you by your certified credit counselor after the Free Debt and Budget Analysis.  Your counselor will be happy to answer any questions or concerns you may have during this time.


The DMP simplifies the process of paying your bills.  One monthly payment is sent to us and we disperse the appropriate amount to your creditors.  You will always continue to receive your monthly credit card statements in the mail, so you can monitor all of your accounts.  After a little while, you will notice on the statements that your balances are going down!!


SafeGuard provided ongoing education and counseling services while you are enrolled in our Debt Management Plan.  We also have a tremendously helpful Client Care Department which will provide courteous and prompt service to you when handling your accounts.


We will only offer the option of a Debt Management Plan if it is the RIGHT solution for you!!


Click on the button below to set up an appointment for your Free Debt and Budget Analysis and get started right now!!

    Agency’s Debt Management License number in the State of Maryland is: 14-52
    The Commissioner of Financial Regulation for the State of Maryland will accept questions and complaints from Maryland residents regarding SafeGuard Credit Counseling Services, Inc., License number 14-52,  at 500 N. Calvert St., Suite 402, Baltimore, MD 21202. Phone: 1-888-784-0136.

    SafeGuard Credit
    Counseling Services, Inc