Need Help Getting Rid of Your Debt?

Anyone who has ever experienced financial anxiety knows that being in debt can be stressful. It can be so emotionally and physically draining that it’s no surprise that people struggling with debt can also find themselves dealing with more health issues than they bargained for.

But you don’t have to tackle this struggle on your own. By making an appointment with a credit counselor, you can gain support and perspective as you move forward and begin taking control of your debt—and life.

How does credit counseling work?

Decide whether you’d prefer to meet in person, virtually, or via phone, and then book your appointment accordingly. When you meet with your counselor, you’ll go over all your billing statements, household expenses, and your monthly income, so that they can get a good picture of how much debt you’re in and how effectively you can pay it off based on your take-home and living costs. 

What is the benefit of credit counseling?

Once you’ve gone over your finances, your counselor will help you develop a budget if you don’t have one or adjust an already established one. Through this, you’ll be able to manage your money more effectively.

Your certified credit counselor can also direct you to classes, events, and literature so that you can grow your financial understanding.

What does a debt management plan do?

A debt management plan is a program designed to help people who are in debt pay off their  unsecured debt (credit cards, medical bills, collection accounts, etc.) in three to five years. To make this possible, your your creditors typically to reduce your interest rate and consolidate your loans into one monthly payment that’s affordable and works with your individual situation. 

What is a credit counselor’s goal?

A certified credit counselor works to educate you so that you can move forward in life equipped with the tools to manage your budget and restore your finances.