Is it ethical to offer a service to reduce credit card debts when?
Is it ethical to offer a service to reduce credit card debts when people have demonstrated they are incapable of managing their funds already? It all depends on the details of what you intend to do. It could certainly be done ethically: you could give sound advice, take over management of their finances, maybe even collect their paychecks, pay their bills, and give them the leftovers for pocket money. The key point is: are you doing it for their benefit, taking only a fair fee to cover your time and your costs? Or are you planning to exploit people who have already proved they are easily exploitable? You know in your heart which it is. OTOH, it looks like others have had this idea before you. I googled pennsylvania credit counseling service and dozens of organizations popped up, for example: Free Consumer Credit Counseling Services - CCCS of NEPA So you might find it easier to work for an established credit counseling service, instead of starting your own from scratch.