BUDGET & CREDIT ADVICE
Individual, confidential counseling.

REPAYMENT PLANS
A common sense alternative to bankruptcy.

HOUSING COUNSELING
U.S. Department of Housing and Urban Development certified.

PRE-FILING BANKRUPTCY COUNSELING
The revised bankruptcy law requires that you receive pre-filing bankruptcy counselingbefore your attorney can file your bankruptcy in court. We offer this counseling in-person or by phone - whichever is more convenient for you.

DEBTOR EDUCATION
This is the second requirement you must fulfill before your bankruptcy is finalized. We offer this course on-line.

REVERSE MORTGAGE COUNSELING for seniors wishing to use the equity in their homes. Pre-purchase counseling for those buying a home. Post-purchase counseling for those in jeopardy of foreclosure. Counseling for renters to avoid eviction due to delinquency.

EDUCATION
Speakers, workshops, and materials about money management and credit. Single presentations or multi-session programs such as Credit When Credit Is Due, a nationally recognized education series.