Trusted Credit Counseling Services to Regain Financial Control
Take control of your financial future with Hikaru’s expert credit counseling services. Our tailored solutions help you manage debt, improve credit, and regain peace of mind.
Personalized Financial Guidance
Certified Credit Counselors
No Hidden Fees
Comprehensive Debt Solutions
Easy Online Access
Discover how our expert-led credit counseling services in the United States deliver tailored solutions, nationwide support, and lasting financial clarity.
Key Features of Our Credit Counseling Services
Nationwide Access Across the United States Our credit counseling services in United States are available to individuals and families in all 50 states. Whether you reside in a major city or a rural community, our services are accessible, reliable, and fully compliant with national standards.
- Certified and Experienced Counselors
As a trusted credit counseling company, we offer expert guidance from certified professionals who specialize in helping clients across the US overcome debt and rebuild financial stability.
- Tailored Debt Management Solutions
No two financial situations are the same. We design personalized debt repayment plans that fit your income, financial goals, and lifestyle. Our solutions are practical, achievable, and built for long-term success.
- Transparent, Affordable Pricing
We prioritize honesty and integrity in every aspect of our services. Our credit counseling in the US comes with clear, upfront pricing—no hidden fees, no surprises.
- Confidential and Non-Judgmental Support
We understand how sensitive financial matters can be. Our approach is discreet, respectful, and entirely judgment-free, allowing you to seek help with confidence and peace of mind.
Take the first step toward financial freedom with a credit counseling company you can trust. Our proven credit counseling services in the United States are here to guide you every step of the way.
Who Can Benefit from Our Services?
At Hikaru Services, we understand that financial challenges can affect anyone. As a trusted credit counseling company, we offer tailored support for individuals and households across the country. Our services are designed to meet the needs of a wide range of clients, no matter their financial background or goals.
You may benefit from our consumer credit counseling service if:
You're struggling to manage high-interest debt: Our experienced credit counselor in United States can help you develop a structured, manageable repayment plan.
You're falling behind on monthly payments: We’ll work with your creditors to reduce interest rates and consolidate payments where possible.
You want to improve your credit score: With personalized advice and practical tools, Hikaru Services supports you in making credit-smart decisions.
You're facing financial stress from unexpected events: Whether due to job loss, medical bills, or personal hardship, we provide guidance and stability during difficult times.
You’re preparing for a major financial decision: Planning for homeownership, education, or retirement? Our consumer credit counseling service can help you get financially ready.
You’re seeking to build long-term financial discipline: We offer ongoing support, financial education, and budgeting tools to keep you on track even after debt is managed.
Hikaru Services is more than just a counseling company—we're your partner in creating a secure financial future. No matter your situation, our certified credit counselor in United States is ready to help you move forward with confidence.
Our Process
At Hikaru Services, we believe in making financial recovery simple, personal, and results-driven. As a leading credit counseling agency, our process is designed to provide you with expert support every step of the way—whether you're searching for a credit counselor near me or seeking specialized advice from professional credit consultants in US.
Step 1
Free Initial Consultation
We start by understanding your unique financial challenges through a confidential one-on-one consultation. This can be done online or over the phone—making our services accessible no matter where you are in the United States.
Step 2
Complete Financial Assessment
Our team conducts a comprehensive review of your income, expenses, debts, and credit profile. This helps us build a full picture of your current situation, ensuring our recommendations are tailored and effective.
Step 3
Customized Counseling Plan
Based on the assessment, our certified credit counselors create a personalized action plan. This may include budgeting strategies, financial education, and if needed, consolidation credit counseling services to help streamline your repayments.
Step 4
Creditor Negotiation & Program Setup
As your trusted credit counseling agency, we may work directly with your creditors to negotiate lower interest rates, stop late fees, and consolidate your payments into a single, manageable monthly amount—saving you time, stress, and money.
Step 5
Ongoing Support & Progress Tracking
You’ll receive continued support from our credit consultants in US, including financial check-ins, progress reviews, and tips for maintaining credit health. We’re here for the long run—until you reach your financial goals.
Why Choose Hikaru Services?
At Hikaru Services, we provide expert counseling online and consolidation credit counseling services tailored to your unique financial needs. Here’s why we stand out:
Expert Credit Counselors: Our certified professionals offer personalized strategies to help you regain control of your finances with trusted credit consultant services.
Convenient Online Access: Get the help you need from anywhere with our easy-to-use credit counseling online services.
Tailored Debt Solutions: We offer counseling services, helping you simplify payments and reduce interest rates for a manageable debt solution.
Transparent, Honest Pricing: No hidden fees—just clear, upfront pricing for the services you need.
Ongoing Support & Education: We provide continued guidance and financial literacy tools for long-term success.
Choose Hikaru Services for reliable, comprehensive credit counseling and expert support in your journey towards financial freedom.
Take Control of Your Financial Future Today
At Hikaru Services, we are committed to providing the highest quality financial counseling in United States. Our credit counseling consolidation services are designed to simplify your finances and set you on the path to a debt-free future.
Contact us today to learn more about our tailored solutions and how our expert team can help you regain control over your finances.
What We Offer — Our Debt Relief Solutions
Success Stories: Read about how we've helped clients achieve financial freedom and regain control of their lives.
-
![Emaily]()
HS Debt Support was a lifesaver. My credit card debt was overwhelming, but their team negotiated with my creditors and significantly reduced my debt. Now, I have a manageable payment plan and a clear path to financial freedom. I can't thank them enough!
Emily R. -
![Michael]()
I was drowning in tax debt and didn't know where to turn. HS Debt Support connected me with experts who negotiated with the IRS on my behalf. They created an affordable repayment plan, and now I can finally breathe again. Their support was invaluable.
Michael T.
-
![Antionette]()
The personalized credit counseling sessions at HS Debt Support were incredibly helpful. They provided me with a clear understanding of my financial situation and helped me develop a plan to improve my credit score. I'm now on the road to a better financial future.
Antoinette S.
-
![Michael]()
I was drowning in tax debt and didn't know where to turn. HS Debt Support connected me with experts who negotiated with the IRS on my behalf. They created an affordable repayment plan, and now I can finally breathe again. Their support was invaluable.
Michael T.
Blog
-
Our counseling focuses specifically on helping individuals manage credit card debt by negotiating lower interest rates and creating structured repayment plans. Unlike traditional debt management, which may address all types of debt, Hikaru Services specializes in providing tailored solutions for credit card debt, ensuring clients can pay off their debt faster and with less stress.
-
Getting started with credit counseling services at Hikaru Services is simple. Begin by scheduling a free consultation through our website or by calling us. Our experienced team will assess your financial situation and recommend a customized solution to fit your needs. Whether you're seeking credit counseling in the US or specifically counseling, we're here to help.
-
Yes! At Hikaru Services, our credit counseling services are designed to assist individuals with multiple types of debt, not just credit card debt. We offer solutions for a range of debts, including medical bills, loans, and more. Our experts will work with you to create a comprehensive debt repayment plan that simplifies your finances.
-
Yes, Hikaru Services provides credit counseling in the US services to clients across the country. Regardless of where you are located, you can access our expert guidance either online or through phone consultations. Our aim is to help individuals across the United States take control of their financial future.
-
The cost of debt counseling varies depending on your financial situation and the services you require. At Hikaru Services, we offer transparent pricing with no hidden fees. Our goal is to ensure that you receive expert advice at a reasonable price, tailored to your specific needs.
-
No, counseling services from Hikaru Services are designed to improve your credit score over time. By helping you reduce your credit card debt and manage payments more effectively, our credit counseling in the US services can lead to a better credit score and financial health in the long run.
-
After completing debt counseling with Hikaru Services, you'll have a clearer understanding of how to manage your finances moving forward. We offer continued support and guidance to help you stay on track, improve your credit score, and ensure you avoid falling back into debt.
-
The timeline for seeing results from counseling services depends on the amount of debt you have and your commitment to the plan. Most clients begin seeing improvements within a few months as they work with Hikaru Services to reduce debt and consolidate payments. We'll guide you every step of the way to ensure long-term success.
-
If you're struggling to manage credit card debt or other financial obligations, credit counseling services from Hikaru Services can be an excellent solution. Our expert credit counselors can assess your financial situation and provide personalized guidance, whether you're looking for debt counseling or a more comprehensive financial plan. If you're feeling overwhelmed by debt, credit counseling can help you take control and create a manageable strategy.
-
Yes, you can still benefit from counseling services even if you're behind on payments. At Hikaru Services, we help clients who are in default or struggling with late payments by negotiating with creditors to reduce interest rates, stop collection calls, and establish a repayment plan that works for you. Our debt counseling services can help you get back on track.