Credit Consultation
Budget Counseling & Money Management Plans
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One-on-one sessions with a counselor to assess income, expenses, and spending habits.
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Personalized budgeting strategies and action plans to help you meet financial goals.
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Education on how to organize finances and avoid future debt.
Financial Education Workshops & Resources
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Group or online classes covering topics like:
• Creating and sticking to a budget
• Understanding credit scores and financial basics
• Smart saving and spending habits -
These are educational only no credit repair services are involved.
Debt Management Plans (DMPs)Not credit repair
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Reorganizes your unsecured debts into a structured repayment schedule.
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Helps simplify payments and may lower interest or fees through nonprofit negotiation with creditors.
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Aims to reduce stress and improve money management over time.
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Housing & Specialty Counseling Guidance on housing-related finances (e.g., first-time homebuyer education, foreclosure prevention, rental budget planning) and other specialized financial issues.
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Student Loan & Bankruptcy CounselingEducation on federal loan repayment options, budgeting for college costs, or required bankruptcy counseling sessions.Purely advisory not credit repair.
Peer Financial Support & Wellness Groups – Community-based groups where people dealing with financial stress, budgeting challenges, or spending habits can meet regularly to share experiences and support one another. These groups emphasize emotional support and practical life skills rather than formal credit repair or debt negotiation.