Counseling

SAVE YOUR HOME
ELIMINATE DEBT
REBUILD CREDIT

Family Credit and Debt Solutions

Home Loan Modifications

COUNSELING

I am certified in several areas of financial counseling. With this knowledge I help my clients learn from the past, face the present, and prepare for the future. Do you need one of the following services?

Bankruptcy Counseling

As a USDOJ Certified Counselor, I work through a non-profit agency to offer sympathetic, educational, and MANDATORY Pre and Post Bankruptcy Counseling. I then provide your attorney with your Certificates of Counseling required by the Federal Bankruptcy Laws.

Divorce Counseling

Filing for divorce will affect your financial life both now and for years to come. Most people make the decision to divorce without being financially prepared. My goal is to help prepare you for this life changing event. Before going to court or even seeing your lawyer:

Do you know what your true income or expenses are?
CAN you survive without spousal or child support?
Do you know how your divorce will affect your credit?
Do you know your potential risk for credit or debt fraud?

You need to understand these very important questions. I can help.

Financial Health Counseling
As a Certified Financial Health and Credit Counselor, I have one goal: to help you understand your personal credit, debt and living expenses. With this understanding I can then help you find honest, moral, and ethical ways to improve your credit score, eliminate your debt, and live a comfortable lifestyle within your means.

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.

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?
What is 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?

I can help you... Call me today for an appointment at (734) 362-3328