David Okafor, AFC®

David Okafor spent eight years as a counselor at a nonprofit credit-counseling agency, sitting across the table from families trying to dig out of debt. He saw which solutions actually worked and which ones made things worse, and he got tired of debt-relief reviews online that read like sales pages.

He now reviews debt-relief and debt-settlement companies full time. For each one he reads the service agreement, checks the fee disclosures against the FTC Telemarketing Sales Rule (which bars upfront fees), looks at state licensing, and weighs real customer outcomes, including the credit-score and tax consequences most marketers leave out. He is an Accredited Financial Counselor (AFC®). He will tell you plainly when debt settlement is the wrong move and a nonprofit or DIY plan is better. See how we rate.

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