What is Credit Counseling?
Credit Counseling is a method that is used to help consumers determine their options for getting out of debt. This process includes a variety of tools including but not limited to financial education and budgeting.
What are your fees for credit counseling?
Our consultations are free of charge.
Are appointments required to receive a credit counseling session?
Appointments are not required to receive a credit counseling session but they are recommended. Our counselors are busy answering calls all day long and we want to make sure that your call is answered so by scheduling an appointment with one of our certified credit counselors we will make sure to have someone available.
What do I need for my consultation?
In order to go through a consultation, you will want to prepare the names, approximate balances, interest rates(if known) and minimum monthly payments for all of your creditors. Additionally we will be going over your budget so you should have a rough idea on amounts of your net income and monthly living expenses are.
How much time is needed to complete a credit counseling session?
The time of the consultation depends on how many accounts you have but usually doesn’t take any longer than 60 minutes.
What are some things I can expect to discuss during my credit counseling session?
Your Credit Counseling session will include discussion of your financial situation including goals and expectations. We will go over your household budget and the debt that you are looking to get help with. We will provide you with all possible options for getting from underneath that debt including an estimate on our Debt Management Program. We will also provide you with financial tools and education specific to your financial need.