Services
BANKING
Financial counselors can work with you to create a financial plan to meet your goals. Based on your individual situation, counselors can help you:
- Learn how a bank account can help you save money on fees (check cashing, money orders, wire transfers, and remittances)
- Ensure you have an affordable bank account
- Identify ways to lower how much you pay in bank fees
- Help you open a bank account if you do not have one
- Help fix bank accounts in Chexsystems
- Banking Services Flyer (.pdf)
- Banking Services Flyer - Spanish (.pdf)
Counselors can also provide referrals to other community resources to help meet any needs you may have.
CREDIT
Financial counselors can work with you to create a financial plan to meet your goals. Based on your individual situation, counselors can help you:
- Read your credit report
- Learn how to improve your credit
- Learn how good credit can help your financial future
- Review your credit report for accuracy
- Dispute any inaccuracies on your credit report with the credit bureaus
- Create a plan to pay down debt
- Negotiate with creditors seeking payment for accounts in collection
- Send ‘cease and desist’ letters to creditors that are harassing you
- Create a plan to address issues with identity theft
- Establish credit wisely if you do not have any credit history
- Credit Services Flyer (.pdf)
- Credit Services Flyer - Spanish (.pdf)
Counselors can also provide referrals to other community resources to help meet any needs you may have.
DEBT
Financial counselors can work with you to create a financial plan to meet your goals. Based on your individual situation, counselors can help you:
- Learn how to manage debt wisely
- Prioritize debt repayment
- Create a plan to pay off accounts with payday lenders, auto title loans, and pawn shops
- Review your credit report to identify current debt
- Send verification letters to confirm ownership of past debt
- Negotiate with creditors seeking payment for accounts in collection
- Create a plan to pay down debt
- Negotiate with lenders to prevent foreclosure
- Develop a plan to pay student loans
- Create steps to plan for wage garnishments
- Debt Services Flyer (.pdf)
- Debt Services Flyer - Spanish (.pdf)
Counselors can also provide referrals to other community resources to help meet any needs you may have.
SAVINGS
Financial counselors can work with you to create a financial plan to meet your goals. Based on your individual situation, counselors can help you:
- Create a household budget to identify areas to reduce current spending
- Save for retirement
- Save for college or a job training program
- Save for a down payment on a house
- Save for other life events or emergencies
- Savings Services Flyer (.pdf)
- Savings Services Flyer - Spanish (.pdf)
Counselors can also provide referrals to other community resources to help meet any needs you may have.