We help anyone who is finding it difficult to make ends meet! We believe that financial struggles don’t discriminate. It can arrive in anyone’s life at any point, whether it’s a job loss, medical emergency, someone who is struggling to repay borrowed student loans, someone finding it difficult to buy his first home, a small business owner who is struggling with financial goals and constraints, or Military or veterans who need our help. We provide a variety of types of counseling and can provide safe advice on what options you may have to find relief.
We Offer the following services
If you are stressed by your finances, and facing mounting piles of bills, our credit counselors can provide some advice and a plan to improve your financial health. A general credit counseling session lasts about an hour and the counselor may ask about your financial history, current household income and expenses and financial goals. At the end of the session, the counselor will offer recommendations and an action plan to reach your goals.
We often come across situations when we have to borrow a certain amount to fulfill urgent needs. But inability to pay off the dues timely, gradually builds a pile of outstanding bills, which takes away the peace of your mind. All it takes is someone to walk through your current financial situation and help you to find where you are going wrong and what should be done to streamline your budget plan. Our counselor customizes a plan in-sync with your total dues and financial situation.
Paying off student debt timely has become a challenge for many student loan borrowers. Even the ones who get the job of their dreams upon graduation, often face challenges meeting the repayment schedule so early in their career. If this sounds familiar to you, schedule some one-on-one time with an NFCC certified student loan counselor, who will chart out the best possible way to pay them off as quickly as possible.
Owning a small business is not solely about being your own boss but taking control of your personal and business finances. You should set small but well defined financial goals and to meet those goals, you should be aware of the strategies needed to conquer them. Talking to a certified financial coach nearby will help you figure out the feasible targets and how to optimize your financial plans in order to meet those targets.
Irrespective of how much you earn and how much you spend, understanding your credit report is essential to financial success. Having an optimal credit score can help in buying your dream home, renting a well furnished apartment, buying a car or even getting a good job. So, you should consult your nearest certified consultant, to evaluate your credit report and he will help you understand your current report and guide you how to improve your creditworthiness.
Buying a first home can be very exciting but it brings a lot of obligations. It’s something that takes preparation and planning. If you’d like help coming up with a plan for your first home purchase schedule an appointment with your nearest certified counselor to evaluate your current financial condition and let you understand whether you are ready to buy your first home or you what steps to take to improve your financial condition and reach your goal of homeownership.
For those homeowners who qualify for it, Home Equity Conversion Mortgages (HECM), better known as a reverse mortgage can be an excellent financial resource especially during retirement. Consult a counselor to understand if this type of mortgage suits your needs, so you can make your decision with greater confidence.
Homeowners who are on the brink of foreclosure or about to lose their home should consult with an NFCC Certified Housing Counselor from a HUD-approved member agency. These counselors are specialized in helping homeowners with the necessary measurements to avoid foreclosure of their property.
Bankruptcy can provide a new lease of life for the genuine yet unfortunate borrower who needs the opportunity to start afresh. But filing for bankruptcy is a decision not to be made lightly. Bankruptcy can stick around on your credit report for the next 10 years and makes it very difficult for an individual to qualify for credit. Bankruptcy may be the best option for some, so it’s important to seek the help of someone you can trust to make the best recommendation. An NFCC certified counselor can do just that!