About Us
National Foundation for Debt Management
Consumer Credit & Budget Counseling, doing business as National Foundation for Debt Management, is a 501(c)(3) non-profit educational organization based in Marmora, New Jersey with an additional office in Clearwater, Florida. The U.S. Department of Housing and Urban Development has approved NFDM to provide housing counseling for Homebuyer Education, Pre-purchase Counseling, Mortgage Delinquency, Reverse Mortgage & Debt Management Programs. NFDM is licensed or registered to do business in 46 states and sees clients face to face as well as over the phone.
We were founded to help people better understand their personal finances and take control of their financial lives. NFDM has helped thousands of consumers achieve relief from crushing debt & has provided advice about personal financial matters to many thousands of others.
Our certified counselors & educators have worked with schools, community groups, churches, charitable organizations and others to help citizens learn personal finance skills from the most basic to more advanced. We are on the cutting edge of a growing movement to provide comprehensive understanding of financial matters to people in all walks of life.
Russell Graves, Executive Director
Russell E. Graves, the Executive Director of Consumer Credit and Budget Counseling was in banking for 12 years, and until 1996, served as Assistant Vice President and manager of the Finance Department of Collective Bank. In July 1996 he joined Consumer Credit and Debt Counseling as a Counselor. He left in early 1998 to start up Consumer Credit and Budget Counseling. He received his Masters of Business Administration in Finance and his Bachelor of Science in Economics and Finance from the University of Hartford.
Jennifer Pascale, HUD Certified Housing Counselor
Jennifer Pascale is NFDM,s senior housing counselor with over 17 years of experience helping homeowners and tenants. Jennifer is not only a HUD Certified counselor but also a Certified HECM Counselor.