Basic Financial Counseling
The source of most money problems is not insufficient income; it’s poor money management. No matter how much money you make, you can learn to manage it better – and our NFCC-certified financial counselors can help!
When you have a free, confidential session with us — either in-person, by phone, or online — you will receive a customized personal written action plan to achieve your own goals for a bright financial future. Your counselor will go over your income, expenses, assets, and debts in detail with you and help you determine realistic improvements you can make that fit your priorities.
Many of our clients receive enough insight just from this session to go on to manage their finances on their own with great success. Some, however, need additional assistance. That’s where our Debt Management Plan can help. If appropriate, your counselor will explain how the DMP works with your particular creditors to lower payments, reduce or eliminate interest, stop late/overlimit fees, and/or bring your accounts current.
Prefiling Bankruptcy Counseling
If your financial troubles have progressed past the point where a DMP could help, we can also provide prefiling bankruptcy counseling required by the courts in order to proceed with a bankruptcy petition.
Credit Report Review Service
A good credit score is essential, but just understanding your credit report can be difficult – not to mention figuring out how to correct mistakes and improving it! Our Certified Consumer Credit Counselors can help you decipher the report and give you professional advice and a written plan of action on what to do to increase your credit scores.