Founded in 1976, Help Ministries Incorporated, operates as Debt Free, Debt Free For Believers and Debt Free Today. We are recognized as a 501c3 by the IRS, dedicated to providing financial education and credit counseling to the public and helping committed individuals payoff their unsecured debts with our debt consolidation program.

As a credit counseling organization dedicated to quality customer service, our financial advisors have helped tens of thousands of American families create an active plan to eliminate their debt and start saving for the more important things in life.

Help Ministries Incorporated (HMI) has spent over three decades developing radio stations, supplying humanitarian aid and developing outreach programs around the world. Since 1991 to present its focus has been in Romania, and the Balkan Nations. Through the distribution of countless supplies to impoverished nations like Kenya, Mexico, as well as Romania, HMI has extended mercy and brought hope to people suffering around the world.

The mission of HMI currently in the U.S. is to assist and educate people who are living financially encumbered lifestyles. America has become one of the leading countries in financial indebtedness by one of its lending methods - credit cards. In 2005 Americans were $600 billion dollars in credit card debt. HMI is striving to educate people to live debt free through its educational material, Winning With Finances and its program, Debt Free.