Get Out of Debt
Our debt counseling and financial counseling services are designed to empower you on your path to financial success. Call now to receive free counseling and start building a brighter future!
Build Your Credit
Access Credit.org's expert counselors to navigate credit complexities, boost ratings, manage debt, and make informed financial choices.
Keep or Own a Home
If you are facing home foreclosure or are a renter having trouble making your payments, contact our HUD Certified Housing Counselors to help you understand your assistance program options.
Protect Your Future
Obtain your personalized financial counseling from us. We go beyond advice, educating homeowners on reverse mortgages and the importance of a well-crafted will and trust. We provide unbiased guidance to help you make confident decisions and protect your future.
Empecemos
Tu camino hacia la libertad financiera
Stage 1:
Initial assessment
and counseling
and counseling
Client Assessment: Evaluating the client's financial situation, including unsecured debt, debt-to-income ratio (DTI), credit history, and budget management skills.
Credit and Debt Counseling: Providing personalized counseling, budget creation, and a financial action plan.
Credit and Debt Counseling: Providing personalized counseling, budget creation, and a financial action plan.
Stage 2:
Debt reduction
and budgeting
and budgeting
Debt Reduction: Implementing strategies like negotiation, repayment schedules, and debt management.
Budget Development: Creating a household budget that allows for savings and debt repayment.
Budget Development: Creating a household budget that allows for savings and debt repayment.
Stage 3:
Credit building
and improvement
and improvement
Credit Improvement Strategies: Guiding clients on improving credit scores through dispute resolution and consistent payments.
Credit Education: Offering resources to understand credit utilization and the importance of credit inquiries.
Credit Education: Offering resources to understand credit utilization and the importance of credit inquiries.
Stage 4:
Savings
and financial goals
and financial goals
Savings Plan: Initiating savings for a home down payment and closing costs.
Financial Goal Setting: Establishing clear goals with a timeline for becoming a homebuyer.
Financial Goal Setting: Establishing clear goals with a timeline for becoming a homebuyer.
Stage 5:
Continuous monitoring
and follow-up
and follow-up
Ongoing Counseling: Regular follow-up sessions to track progress and address new challenges.
Milestone Tracking: Monitoring achievements like reaching a target credit score and saving for a down payment.
Preparation for Homeownership: Preparing for homeownership through education and mortgage options.
Milestone Tracking: Monitoring achievements like reaching a target credit score and saving for a down payment.
Preparation for Homeownership: Preparing for homeownership through education and mortgage options.
Donde comienza la libertad financiera
Donde comienza la libertad financiera
Empieza hoyStage 1:
Initial assessment
and counseling
and counseling
Client Assessment: Evaluating the client's financial situation, including unsecured debt, debt-to-income ratio (DTI), credit history, and budget management skills.
Credit and Debt Counseling: Providing personalized counseling, budget creation, and a financial action plan.
Credit and Debt Counseling: Providing personalized counseling, budget creation, and a financial action plan.
Stage 2:
Debt reduction
and budgeting
and budgeting
Debt Reduction: Implementing strategies like negotiation, repayment schedules, and debt management.
Budget Development: Creating a household budget that allows for savings and debt repayment.
Budget Development: Creating a household budget that allows for savings and debt repayment.
Stage 3:
Credit building
and improvement
and improvement
Credit Improvement Strategies: Guiding clients on improving credit scores through dispute resolution and consistent payments.
Credit Education: Offering resources to understand credit utilization and the importance of credit inquiries.
Credit Education: Offering resources to understand credit utilization and the importance of credit inquiries.
Stage 4:
Savings
and financial goals
and financial goals
Savings Plan: Initiating savings for a home down payment and closing costs.
Financial Goal Setting: Establishing clear goals with a timeline for becoming a homebuyer.
Financial Goal Setting: Establishing clear goals with a timeline for becoming a homebuyer.
Stage 5:
Continuous monitoring
and follow-up
and follow-up
Ongoing Counseling: Regular follow-up sessions to track progress and address new challenges.
Milestone Tracking: Monitoring achievements like reaching a target credit score and saving for a down payment.
Preparation for Homeownership: Preparing for homeownership through education and mortgage options.
Milestone Tracking: Monitoring achievements like reaching a target credit score and saving for a down payment.
Preparation for Homeownership: Preparing for homeownership through education and mortgage options.
