We began in 2007 as a credit education organization – helping individuals and families understand all about personal credit and the wise use of credit. Then, in 2008 a financial crisis hit with cheap, easy-to-obtain credit and lax lending standards that led to a housing bubble that quickly grew out of control. The recession that followed caused many people to lose their savings, and their homes. People began to reach out to us for help, not for credit information, but to cope with overwhelming bills. In response, we first educated ourselves on all aspects of coping with debts including consolidation options as well as DIY self-help steps consumers can take on their own. Now, through educating individuals and families on consolidation options, free DIY resources through Project Debt Box, and providing information and access to hardship assistance and social services for those in the most difficult of situations, we now support a community committed to encourage, empower, and inspire each other.