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If your struggling with credit card debt, budgeting, or other financial challenges, our partner agencies can assist. Connect with certified credit counselor in your area and explore the tailored services designed to help you regain financial stability.

Debt Freedom Tool

Debt Freedom Tool - Try our handy budgeting calculator Credit counseling starts with and is based on the consumer’s budget. A budget is the truest snapshot of a consumer’s financial situation. You are reading this now because you realize something in your financial life needs tweaking.

Get started with our handy budgeting calculator, the Debt Freedom Tool. Our tool enables you to discover if you have money to spare after paying your monthly bills. Or, perhaps you have a shortfall and need to adjust your spending.

Debt Assistance

Debt Help Debt Counseling - road out of debt Credit and Debt Counseling Are you having trouble balancing your budget at the end of the month? Do you wonder how you can manage to keep paying your credit card bills when income is tight? One call to an FCAA member agency will have you on the phone with a certified credit counselor who will review your budget with you and help you devise a plan to get back on the road to financial wellbeing.

Debt Help Consumers often call a credit counseling agency to seek help repaying their debts. There are many options in the debt relief industry. Advertising and commercials for “get out of debt now” can sometimes be misleading, leaving consumers at a loss for the help they are really looking for. Debt help Debt relief Debt negotiation Debt consolidation Debt management Debt settlement The list goes on and on…

Debt Management Plans

You want to pay off your unsecured credit card debts. You make your monthly payments but you’re just not getting ahead. Sound familiar? Our member agencies can help with a debt management plan You’re not looking for a loan. You’re not interested in a debt settlement plan (that could really harm your credit score and leave you with a tax bill).

You are looking to make your payments more affordable and repay your debts in full. debt management plan graphic A debt management plan just might be what you’re looking for. Contact a licensed, accredited FCAA member credit counseling agency to see if you qualify: No more late fees Reduced interest rates Become debt-free and avoid calls from creditors/collectors

Housing Counseling

Are you looking for an affordable rental home? Perhaps you’ve decided that now is the time for you to purchase your own home. Maybe you already own a home and have concerns about your ability to make the monthly mortgage payment? Are you facing foreclosure and don’t know where to turn? Are you 62 or over, own your home and want to learn more about reverse mortgages? Whatever your question or situation, FCAA HUD approved member agencies have the expertise and are ready to help.

Areas of interest:

Housing Assistance, Rental Counseling, Pre-Purchase Homebuyer Education, Post-Purchase Counseling, Reverse Mortgage Counseling, Foreclosure, Prevention, Mortgage Delinquency and Default Counseling.

Credit Report Reviews

A credit report is a detailed accounting of an individual’s credit history as prepared by a credit bureau (otherwise known as a credit reporting agency). The data included on the report comes from financial information the credit bureaus collect from lenders, credit card companies and other financial companies. This information will be used by lenders to determine how much of a credit risk an individual is. Even though a credit score is just a number, it does tell a lot about the way an individual has handled his/her financial life. From reading the credit report, lenders can tell if bills have been paid on time, how much outstanding debt a consumer has (credit card debt, personal loans, car loans, mortgages, home equity loans, student loans and medical debt). The more responsible one is with their use of credit and repayments, the better one’s credit score will be.

Bankruptcy Certificates

Overwhelmed by debts with no way to pay them off? Bankruptcy could be an option. Bankruptcy is the legal process an individual goes through to have his/her debts forgiven.

Filing for bankruptcy protection is a decision that should not be made without careful consideration. It is invasive every aspect of one’s financial life needs to be revealed debts, income, assets, etc. A bankruptcy filing will hurt one’s credit score, with a filing remaining on the report for 10 years with a Chapter 7 and seven years for a Chapter 13.

There are other options to filing for bankruptcy that individuals should explore. All this starts by speaking with a certified credit counselor at an FCAA member agency.

Financial Education

FCAA and its member agencies strongly believe that financial education can and does improve lives. The path to nearly every big picture goal begins with smart money management. The ability to successfully handle one’s personal finances reduces stress and helps to lessen if not prevent anxiety over financial decisions, ultimately helping to keep the focus on daily living. In addition to online resources, FCAA member agencies can work with you one on one to create or fine tune your budget, to review your credit report, or even help you devise a plan for a future purchase.

Student Loan Counseling

Student Loan Counseling What is student loan counseling? If you’re struggling to repay student loans or concerned about the impact of student loans on your overall financial outlook, you can find answers with non-profit student loan counseling. Our member agencies’ specially trained student loan counselors can help you identify the right solution for paying off your student loans and guide you through the numerous repayment options, step by step.

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