Bankruptcy filings have reached an all time high of over 1.5 million per year and overall consumer debt has grown to an all time high of over $1 trillion dollars. We live in a society of borrowers and spenders. Consumers have grown accustomed to instant credit, cash advances and payday loans as a way of life. Many consumers are living paycheck to paycheck, receiving collection calls from creditors, and wondering where all their money goes each month. It's important to further your education in order to help you to understand basic money management skills and how to avoid scams, keep debt under control, maintain a good credit record and build true net worth.

The DebtGuard Management System® is a Money Management Certification Program that is divided into three sections; Understanding Money, Understanding Debt and Understanding Credit. This program has been created to teach consumers the fundamental basics of Money, Debt and Credit. People that complete all three courses and pass each test will increase their financial awareness and change their financial behavior for the better.