We approach our clients' needs differently than credit counseling agencies would. Everything we do is custom. That means we don't begin trying to solve your
debt problem until we completely understand your current financial situation, as well as your long-term goals. Then, we work with you to create a
personalized action plan that you can carry-out on your own.
Depending on your individual needs, the plan may focus on:
Money Coaching
This service is for clients who are looking to transform their relationship with money. By using a proven step by step process, we work together to explore those beliefs, patterns, and behaviors that you tend to associate with money that may be holding you back from achieving your full potential. Together, we will then identify strategies and tactics to help you maximize your potential and achieve your personal and financial goals.
Personal Budgeting
This service is for clients who just need a little help in creating a practical spending plan for them and/or their family.
The goals of this service are:
1. To teach clients how to create and facilitate a budget.
Credit Reporting
This service is for clients who want to better understand how to interpret their credit report.
The goals of this service are:
1. To teach client how to read their credit report.
2. To help clients understand their credit score.
3. To help clients understand how to improve their score.
Accelerated Repayment Plan (ARP)
This plan is generally recommended for clients who are not having difficulty making minimum monthly payments they just want to pay off their creditors in the most expedient manner, as well as pay, the least amount in interest possible.
The goals of this program are to:
1. Show clients how to pay off their debt in the most expedient manner.
2. Show clients how to save money in interest and finance charges.
Self-Administered Debt Management Plan (DMP)
This plan is generally recommended for clients who are currently having difficulty meeting their monthly payments to their creditors or think that they are going to have problems making their monthly payments in the very near future.
The goals of this program are to:
1. Help clients get current and stay current.
2. Help clients get their debts paid off.
3. Show clients how to pay creditors so that the least amount of interest in paid.
4. Help clients avoid bankruptcy.
5. Help client improve and maintain their credit rating.
