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Effective May 31, 2020 mpowered is closed. We are grateful for the community‚Äôs support in our work to empower people to transform their financial futures and encourage you to continue working towards Financial Security for all.   If you are interested in scheduling a no-cost financial coaching appointment, please contact the Denver Financial Empowerment Center at 720.944.2498 or

Become Debt Free

Get started today! Enter your debt balances and budget information to receive a free online estimate.

Beware Debt Settlement Companies

Debt Management Programs are different from debt settlement plans.  Debt settlement plans often involve:

  • hefty upfront fees,
  • severe damage to your credit rating,
  • legal action by creditors,
  • tax obligations on settlement savings, and
  • bigger, more problematic debt.

Instead, consider negotiating directly with creditors or seeking help from a non-profit credit counseling agency like mpowered.

Debt Management

A Debt Management Program (DMP) is a repayment plan which helps make unsecured debt payments more affordable.  Enroll now to:

  • Lower your interest rates.
  • Reduce your monthly payments.
  • Get out of debt faster, in just 36 to 60 months.
  • Make one payment each month instead of multiple payments to several creditors.
  • Avoid bankruptcy.
  • Prevent judgments and garnishments.
  • Stop creditor calls.
  • Keep your credit record and credit score strong.
  • Stop late fees and over-limit fees.
  • End financial stress in your life.

Call (303) 233-2773 or get started by entering your financial information in our  online intake form. A coach will follow-up with you upon submission.

What happens in the first appointment? Your personal finance coach will meet with you face-to-face to discuss and develop a budget, strategies for reducing financial stress, and plan for a strong financial future. The initial consultation is free and there is no obligation to enroll in the program. Your personal finance coach will listen to your situation, and then provide you with a range of options tailored to your goals.  If debt management is not your best option we’ll tell you that, too. 

Why choose mpowered? All of our personal finance coaches maintain certification though the Association for Financial Counseling and Planning Education. We help with more than just credit cards; we also enroll medical, collection and legal accounts.  In addition, our coaches provide resources on resolving student loan and payday loan debt.

Take control of your debt today – call us at (303) 233-2773 to schedule a free consultation with one of our professionally-trained and certified credit counselors or get started by entering your financial information in our online intake form.  A coach will follow-up with you upon submission!