What to expect

Budget and Debt Counseling Session

Our credit counselors will analyze your current income and living expenses. Your assets and debts will then be examined and possible solutions to your problems presented to you. Together we will work out a budget to fit your needs and goals. Again, all credit counseling is free and confidential. Our budget and debt counseling sessions usually take about an hour. It is important to remember, when shopping around for a credit counseling agency to work with, that anyone who claims to be able to give you advice in 15 minutes isn't helping you find the best solution to your financial problems.

The goal of our counseling sessions is to help you find the best solutions to your financial problems. In many cases, our professional advice may be all that you need in order to get a handle on your situation, and take control of your debt or spending habits. For some who may be considering bankruptcy, our impartial advice may help them re-affirm that decision. And finally, our debt consolidation and repayment programs are a great way for many to pay off their debt, according to their means, in a reasonable time frame.

Let Our Professional Credit Counselors:

• Help you learn better money management skills.
• Find solutions to your current financial problems.
• Determine your bankruptcy alternatives.
• Develop, for you, a personalized debt consolidation program.