Credit Counseling Services Overview
How Credit Counseling Works How the Debt Management Program Works What Our Services Cost
Financial Tips
Ways to Save Money How to Improve Your Credit Managing Credit When Your Life Changes
Budgeting Tools and Calculators
Housing Counseling
Group Presentations
Client Testimonials

Managing Credit when Your Life Changes

Events in our lives, both good and bad, can influence our finances. Make sure that you are aware of the impact each of these changes in your life can have on your financial future, and how to prevent financial stress from allowing you to focus on your life experience.

Loss of Income
Unemployment is a major cause of debt for consumers. Learn how to handle a job loss or reduction in income.

Injury and Debt
After suffering from an injury, you will need more than bed rest. Be equipped with the right tools to recover physically and financially.

Managing Educational Loans
Earning an education may be priceless, but it can still put you deep into debt. Learn your options for educational loan repayment and tips for effective debt management.

Deceased Family Member
The loss of a loved one is devastating enough. Be sure that you are taking all of the right steps to close out the finances.

New Baby
Your new bundle of joy can also require a bundle of money. Consider some savings tips to keep your head above water.

Managing Expenses with Elderly Relatives
Though your love and support alone won't care for an older parent, consider these helpful hints as you update your household budget.

Compulsive Spending
Know the warning signs of compulsive shopping and how to change your habits.

Gambling and Debt
Before you place your next bet, consider how you can stay in control of your finances.

Natural Disaster and Money
Hurricanes, floods, fires and the like can have a devastating effect on a community. Learn how you can prepare yourself as a consumer and protect your financial stability.

Budgeting and Debt Management in the Real World
Whether you?re headed to graduate school or a full-time job, personal finances will play a key role in your life.

Looking for the Right Credit Counseling Agency?
If you’ve made the decision to solicit the help of a credit counseling agency, we salute you!

YOUR HOURS HAVE BEEN CUT AND YOU NEED DEBT RELIEF: NOW WHAT?
Your work hours have been cut. Or maybe you have fewer opportunities for overtime. You probably feel powerless, if not a bit panicky. First, recognize that you are not alone.

Over-Financing the American Dream
Are you dreading a mortgage payment that will drain your household budget? If the interest rate on your ARM is due to reset in the coming months, you can start taking corrective action today.

Are Baby Boomers Spoiling Their Kids?
The Baby Boomer generation is setting yet another milestone. No other generation in history has spent so much money on its kids - grown kids, that is!

When is the Perfect Time to Buy Your First Home?
The state of the economy offers mixed news for first-time homebuyers. We are currently experiencing a looming recession and tighter credit standards.