Financial Counseling

Logo for Balance, partner in financial counseling

Through our partnership with BALANCE, a financial services company, we can help you through difficult financial times with free financial and credit counseling as well as debt management services.

Financial Assistance

Self-guided studies or certified financial counselors to talk to you about common day issues such as paying bills on time, buying a home, or getting divorced.

Money Management

Our partners at BALANCE have an online budgeting tool called OnTrack that can get you started in creating a workable budget. If, after you have used this tool, you still have questions that are unanswered, a financial counselor at BALANCE can help you take the information you've gained from OnTrack and create a plan for your financial future.

Credit Report Review

Your credit report is very important. It is used in nearly every industry: opening a bank account or getting a loan and applying for housing and employment. It's important that you check your credit report from each of the major credit reporting agencies on a regular basis. Get your report and learn what's in it by using BALANCE's online tool to assist you. Of course, as always, if you find you still have questions, contact the financial counselors at BALANCE.

Debt Management

If your monthly payments to your creditors is overwhelming you may want to try a Debt Management Plan (DMP). A Debt Management Plan is different from a Debt Settlement Plan, which is a third-party negotiating with creditors to settle for a portion of what you owe. Unfortunately, some people can be stuck with an unexpected bill from the taxable benefit the Debt Settlement Plan provides. However, a Debt Management Plan involves negotiating with creditors to work with you so you can pay your debts before further legal action is taken. A Debt Management Plan provider, such as BALANCE, can usually reduce total monthly payments and can sometimes negotiate to have your interest rate reduced and/or have late fees reversed. You could arrange to make a single payment to BALANCE which can then divide and distribute the payment to all of your included creditors.

Visit the BALANCE website to discover more details about how a Debt Management Plan works, how to make an appointment with a Credit Counselor, and how you can download a copy of their Personal Financial Assessment.


BALANCE is a wholly-owned subsidiary of Consumer Credit Counseling Services (CCCS) of San Francisco, a member of the National Foundation for Credit Counseling (NFCC) and accredited by the Council on Accreditation (COA). BALANCE counselors are certified and recertified every two years using the NFCC's Counselor Certification Program™.