Debt Counselors on FreshBooks pay $33/month — $396/year. Over three years, that's $1,329. Nexa is $279 once. Break-even runs about 8.5 months. The median Debt Counselor earns $55,000/year, so FreshBooks's annual cost is roughly 0.7% of typical revenue — every year, forever.
That's $1,329 gone. And you don't own anything. Stop paying, lose access.
You're not the only one who's had enough.
Debt Counselors face unique challenges: Creditors verbally agree to a reduced APR on a DMP, then re-age the account or reject the proposal weeks later, blowing up the client's payoff schedule. A client misses one consolidated monthly draft and every creditor concession on the plan can default at once. Documenting the mandatory pre-session budget review and disclosures for every client so the agency stays NFCC-compliant in an audit. Walking an overwhelmed client off the ledge when they want to file Chapter 7 instead of finishing a 48-month plan that would actually clear them. On top of all that, FreshBooks charges $33/month ($396/year) — money that comes directly from your revenue. The median Debt Counselor earns $55,000/year. Software at $396/year is a meaningful percentage of that income, every year, forever. And you do not own anything.
Your Debt-to-income and budget worksheets is yours. You bought it once. Nexa works the same way — $279 once for invoicing, scheduling, CRM, time tracking, and full accounting. All connected. All offline-capable. You own it like you own your tools.
FreshBooks is just one piece. What else are you losing money on?
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Your exact FreshBooks cost, full stack total, and what switching saves. 10 seconds.
| Feature | FreshBooks | Nexa |
|---|---|---|
| Invoicing | ✓ | ✓ |
| Scheduling | ✗ | ✓ |
| CRM | ✗ | ✓ |
| Time Tracking | ✗ | ✓ |
| Full Accounting | ✗ | ✓ (SIMPL) |
| Task Management | ✗ | ✓ |
| Price | $33/mo forever | $279 once or 3 × $99 |
| 3-Year Cost | $1,329 | $279 |
| Stop paying? | Lose everything | Keep everything forever |
Most debt counselors are fully switched before the weekend.
Go to Settings → Export Data. Download clients, invoices, expenses, and time entries.
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Run both for 1-2 weeks. Verify invoice history and recurring invoices.
Cancel subscription. Download a final data export for your records.
The first call is usually someone who hasn't slept. I pull a budget worksheet up alongside their bank statements and we go line by line until the number that scares them is just a number on a page. Most mornings are intake: tri-merge credit report, list every balance and APR, separate the secured from the unsecured, and find the real surplus after rent and groceries. Then I build the Debt Management Plan and start the part nobody sees: calling creditors one at a time, asking for a hardship rate, getting the rep's name and a reference number because half of them will deny it ever happened. Afternoons I'm proposing concessions, chasing the credit-card issuer that promised 9.9 percent and then 'has no record,' and reworking a payoff timeline because a client's hours got cut. Every session has a required budget review and disclosure I have to log or the agency fails accreditation. I close the day re-running which clients' consolidated drafts cleared, because one missed ACH can default every concession on a plan at once. The win is quiet: a client texts that they finally answered an unknown number without their stomach dropping.
Real debt counselors near you who run their business on Nexa — book directly, no platform fee. Are you a debt counselor? Post your business and get found in your area — $2.99 one-time. Or browse every debt counselor on Nexa →
For solo operators and small teams (1-5), yes. Nexa includes invoicing, scheduling, CRM, time tracking, task management, and full accounting. FreshBooks may be better if you have a large team (10+) or need enterprise-specific features.
It's $7.75/month over 3 years. FreshBooks is $33/month — that's $1,329 over 3 years. Which is more? And if you'd rather split it, Nexa is also available as 3 payments of $99.
Yes. Nexa is $279 as a one-time payment, or 3 payments of $99 ($297 total). Either way it's a one-time purchase — no subscription, no recurring fees ever.
30-day money-back guarantee. Full refund. If Nexa doesn't save you $500 in year one, you get every penny back.
Export your data from FreshBooks as CSV, import into Nexa in about 5 minutes.
The average solo operator there spends about $2,400/year on software — and Debt Counselor face their own version of that math. TX state licensing requirements apply.
Numbers reflect typical solo operators in the McKinney metro. Your situation will vary.
Specific gaps Debt Counselors run into with FreshBooks, and what Nexa does instead.
$1,329 over 3 years. Or $279 once (or 3 × $99). Own your tools.
Get Nexa — $279 Once