The first step to a financially stable tomorrow is facing your situation today. Ultimately, financial counseling is that step forward with access to useful information, practical knowledge, and the tools and expertise needed to navigate your financial future. If you’ve fallen behind in your credit card payments, are receiving calls from collection agencies, or are from a low-income household struggling to manage current expenses or grow your savings, counseling may provide you the answers to improve your financial health.

Connect with a credit counselor

How Does it Work?

Once we receive your call at the NFCC, you will be directed to one of our certified agencies and appointed a trusted credit counselor. On average, the session takes 30 minutes to an hour to complete. Most of these conversations with a counselor can take place over the phone but some NFCC Member agencies offer online and in-person counseling. Once you review your financial challenges and goals with your counselor, they will work with you to create an actionable plan to conquer your debt in manageable monthly payments.

Connect with a
counselor
Review financial information
Work on an
actionable
payment plan

Benefits of Financial Counseling

Pay off your debt faster.

Improve your money habits.

Lower interest rates regardless of credit score.

Consolidate bills into one smaller monthly payment.

Eliminate late fees and over limit charges.

Stop collection calls.

Our Proven Process

During your counseling session, a counselor will go over your current financial circumstances. This will include questions specific to your income, budget, and expenses. After covering income and expenses, the counselor may review your credit report and will discuss the options available to you based on your income, expenses and debt load.

List of Items to have on hand:
List of your current expenses. This should include housing, food, utilities, any phone bills, loans, credit cards, anything you pay for regularly and bills that may be late.
Recent paystubs for you and/or your spouse, so you are able to provide information about your monthly household income.
Recent credit card statements are helpful so you can provide minimum payment information, due dates, etc.

Specialized Counseling We Offer to Better Support You

 

Homeownership Counseling

Ideal for first-time home buyers. If you don’t currently own a home, you might be surprised to learn it’s not as hard as you think. Our trained and certified coaches will evaluate your financial situation to develop a customized home purchase plan especially for you.

 

Learn more about Homeownership

 

 

Bankruptcy Counseling

We’ll help ensure a full understanding of the potential advantages, disadvantages and alternatives to declaring bankruptcy before taking action.

 

Learn more about Bankruptcy

 

 

Reverse Mortgage Counseling

Ideal for seniors over 62 years old and for those homeowners who qualify, a Home Equity Conversion Mortgages (HECM).

 

Learn more about Reverse Mortgages

 

 

Foreclosure and Foreclosure Prevention Counseling

Ideal for homeowners at risk of losing their home or currently losing their home due to a financial shock or other hardship. Experts will examine your financial situation, offer guidance on ways to avoid default or foreclosure, and help identify options for helping to keep you in your home.

 

Learn more about Foreclosure

 

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