Heartland Financial Services (HFS) is a marketing and management company developed to assist the credit counseling industry and consumers experiencing financial problems. With a focus on the consumer’s particular problem as opposed to a particular kind of solution, HFS recognized from its beginning that it had to organize a nationwide network of financial service companies and attorneys who could provide different solutions.

HFS affiliated counselors and attorneys explain to the consumer how each relevant solution could affect their particular problem. In this way, HFS places the consumer in a position to make an informed decision about how to proceed.