Services

Consumer Credit Counseling Services

Financial Education- Group seminars and workshops are held throughout the community in the workplace, faith-based organizations, and governmental departments on a variety of personal finance topics. Topics include: “Borrowing Basics,” “Pay Yourself First,” “Loan-To-Own,” “How To Restore Your Credit,” and “Investing In Your Future.”

Budget Counseling- Certified financial counselors are available for one-on-one discussions about money management techniques. All sessions are 100% confidential and include instructions on developing a personal budget, improving budgeting skills, improving the use of financial resources, and increasing net worth. Wise choices, good spending habits and earned income tax credits are reinforced.

Credit Counseling- Counseling sessions with a certified credit counselor consist of a one on one review of your consumer credit report. Guidance is offered on wise use of credit, how to improve personal credit and how to determine your credit capacity.

Debt Management Plans- Counseling sessions with a certified credit counselor consist of a one on one session to develop a debt elimination plan for unsecured credit. Customers may choose between the agency’s structured repayment plan and a plan that is self-administered. The agency-structured repayment plan will include a discussion of account interest rates and fee concessions that can lead to scheduled debt consolidation payments.