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Offers counseling for credit, budgeting, and debt management for people to be able to pay off their debt in five years or less. Debts can include: Credit cards Collections Medical debts Payday loans Old utility accounts Past cell phone accounts

Provides workshops to repay unsecured debt at lower interest and fees. Counselors provides clients with a program suited to their ability to pay and provides an estimate of the time to complete the program. Also offers: Assistance with housing issues Debt Bankruptcy Student loans

Provides financial counseling and coaching to help clients gain financial success. Conducts comprehensive analysis of clients' situation and develop an action plan. Addresses budgeting, increasing savings, decreasing debt, and improving credit scores. Provides follow up services to track progress and continue coaching, if needed.