Bankruptcy Counseling
    We understand that in this economy, more and more people are facing financial hardship.  Job losses, cutbacks in hours and overtime, high medical bills, foreclosures and a whole list of other issues make people unable to pay their bills the way they would like to.  As USDOJ Certified Counselors working through a non-profit agency, we offer sympathetic, educational, and MANDATORY Pre and Post Bankruptcy Counseling.  We then provide your attorney with your Certificates of Counseling as required by the Federal Bankruptcy Laws.

Divorce Counseling
    We understand that there are many reasons to divorce and how traumatic many of these reasons affect your life both now and for years to come.  Most people make the decision to divorce without being financially prepared for their life after the separation.
    Do you know what your true income or expenses are?  Do you know how your divorce will affect your credit?  Do you know your potential risk for credit or debt fraud?  We can help you understand these very important questions.
 
Financial Health Counseling
     As a Certified Financial Health and Credit Counselor, we have one purpose: to help you make the best financial decisons for you and your family.  Our initial counseling is free, so whether you are having a temporary setback or even in the middle of a real crisis, we may be able to help you develop a plan to get you started back on the road to financial freedom.

Pre-Marital Financial Counseling
    Finances are one of the largest factors that add stress to a marriage and leading cause of divorce. We want to help you avoid this problem.
    Before getting married, do you REALLY know how ready you and your future spouse are to combine your finances?  Do you know about all of their current bill paying habits?  Their credit score and credit history?  Do they still have joint accounts with someone else?  What is their debt to income ratio? What will your new monthly combined budget be? Who is going to pay the bills each month?  What is going to happen to the other home or household?  How will those decisions affect your current and future debt obligations?  How will these decisions affect your credit score?  And many more...

Do you know...

• The best way to reduce, organize, and eliminate your debt? 
• The best way to work with your mortgage lenders or credit card companies?  
• The consequences of each of these choices and they will affect your credit score? 
• How to work with credit bureaus to eliminate only the errors keeping your score low? 
• How to build new credit?