FINANCIAL COUNSELING

Debt and Money Management Topics

• Budgeting
• How to save on monthly expenses
• Controlling impulse spending
• Debt consolidation options
• How to compare loans
• Avoiding foreclosure / bankruptcy
• Auto loan versus lease
• How to negotiate with creditors
• Dealing with collection agencies
• 401(k) loans
• Medical bill relief
• Establishing an 'emergency fund'
• Relieving financial stress

Credit Topics

• Breaking free from debt
• Understanding credit reports
• Boosting credit scores
• Credit repair
• Avoiding repair scams

Consumer Topics

• Complaining to get action
• Identity theft
• Referral to community agencies
• Kids and money
• Flexible Spending Accounts
• Avoiding financial scams

Planning for the Future

• Basics of investing
• Saving for a house
• Shopping for a mortgage
• Credit after bankruptcy
• Finding a financial advisor
• Saving for college / consolidating student loans