Heartland Financial Services (HFS) was developed to serve consumers experiencing debt problems. With a focus on the consumer’s particular problem as opposed to a particular kind of solution, HFS recognized from the beginning that it had to provide a variety of debt solutions.

HFS has organized a nationwide network of financial service companies and attorneys who can provide different debt solutions. And HFS affiliated counselors and attorneys explain to the consumer how each relevant solution would affect their particular problem. In this way, HFS places the consumer in a position to make an informed decision about how to proceed.

Over the past eight years, HFS has worked exclusively with the credit counseling industry to provide its group of debt solutions to consumers who could not be helped by traditional credit counseling programs. Now HFS is offering these debt solutions directly to the public.