Who is Evergreen?

We are a non-profit credit counseling and educational provider approved by the US Trustees to offer pre-bankruptcy credit counseling and post-bankruptcy personal financial management in compliance with the Bankruptcy Code.* The educational and training background of all our counselors either meets or exceeds standards of the US Trustees. All of our counselors are trained and experienced in the credit counseling and personal finance arena. We are funded exclusively on the nominal fee for service charged to students and we do not pay or receive fees or other considerations for referrals, nor do our courses contain any commercial advertising. We do not promote, market, or sell any financial products, or solicit business of any type. We do not offer alternative payment schedules regarding unsecured debt, such as debt repayment plans. Participation in our courses will not impact a student's credit report in any way. No information obtained during our credit counseling session, including the results of our budget analysis are reported to any Credit Reporting Agency. Bankruptcy, or bankruptcy alternatives, included but not limited to debt negotiation, debt consolidation, partial debt payments or non-payment of debt, can negatively impact a student's credit rating for up to seven to ten years. Further information on the potential negative impact to credit rating should be obtained from an attorney or outside source.

We are a non-profit credit counseling and educational provider approved by the US Trustees to offer pre-bankruptcy credit counseling and post-bankruptcy personal financial management in compliance with the Bankruptcy Code.* The educational and training background of all our counselors either meets or exceeds standards of the US Trustees. All of our counselors are trained and experienced in the credit counseling and personal finance arena. We are funded exclusively on the nominal fee for service charged to students and we do not pay or receive fees or other considerations for referrals, nor do our courses contain any commercial advertising. We do not promote, market, or sell any financial products, or solicit business of any type. We do not offer alternative payment schedules regarding unsecured debt, such as debt repayment plans. Participation in our courses will not impact a student's credit report in any way. No information obtained during our credit counseling session, including the results of our budget analysis are reported to any Credit Reporting Agency. Bankruptcy, or bankruptcy alternatives, included but not limited to debt negotiation, debt consolidation, partial debt payments or non-payment of debt, can negatively impact a student's credit rating for up to seven to ten years. Further information on the potential negative impact to credit rating should be obtained from an attorney or outside source.