Financial CounselingFinancial Counseling

Whether you are in a bind because you lost your job, or because you lost track of your spending and now find yourself stressed about your increasing debt, Debt-Free America's certified credit counselors can help you figure out a solution to getting out of debt and easing your financial stress.

Initially, we will ask you for some financial information in order to get an idea of your situation. You will receive a personalized, thirteen page, Personal Financial Analysis that lays out your financial picture. The Analysis includes information about where you may be excessively spending, where most of your money is being spent and what your bottom line (income vs. expenses) is each month.

Together, you and your counselor will review your Personal Financial Analysis in detail, and discuss your spending habits, short and long-term financial goals and work to anticipate changes in income and expenses, and how to handle them. You will also review your budget and decide where you may need to cut back, and where you may be able to expand your income.

Options for getting out of debt will also be reviewed. You and your counselor will discuss the appropriate options for you, which may include handling the debt on your own with your creditors through their hardship programs, setting up your own self-administered and custom designed debt management plan, enrolling in our debt management plan, bankruptcy or any other options as appropriate to your situation.

If enrollment in our debt management plan is the right option for your financial situation, then you can enroll in our program.