How Do You Start?

Call our office at 808-842-5752 (neighbor islands 800-320-5777) and briefly explain your situation. At the time of your call we will schedule an appointment for you at your convienience and review your financial overall condition. After thorough analysis the counselor will recommend possible solutions and a suggested course of action.

Or please fill out our downloadable forms (PDF file)

and mail or fax (808-842-0044) it to us at:

Hawaii Credit Counseling Service
PO Box 17404
Honolulu, Hawaii 96817

Why Does it Work?

Both the debtor (person who owes) and the creditor (the person owed) benefit win/win. The debtor gets the bills paid and the creditor receives payment regularly. This is an alternative to bankruptcy, repaying your debts. It saves the embarrasment of being sued and possible garnishment. The creditor avoids a bad debt loss or charge-off. Whether it is credit card debt, department stores, personal signature loans or even defaulted or charged-off accounts, Hawaii Credit Counseling Service can and will help!

Alternative to Bankruptcy

Two out of five people in our community are unable to meet their financial obligations, living one paycheck from disaster. Although widely publicized, bankruptcy is not always the best solution to credit problems. Hawaii Credit Counseling Service offers counseling on budget and financial planning with emphasis on re-establishing credit. Hawaii Consumer Credit Counseling Service can pull a comprehensive credit report. Our professionals can provide detailed analysis to help resolve and reestablish yor credit. Hawaii Credit Counseling Service will help you save money.