Family Life Credit Services was established in 1986. We provide one-on-one credit counseling. We look at all of your options, help you establish a budget, and make recommendations on how you can reduce expenditures as well as your debt.
Credit Counseling is the process of meeting with a Certified Financial Counselor to examine, evaluate, and address challenges within your current financial situation. This is an interactive session where the counselor and the client work together to set goals while also finding solutions to financial barriers. During a routine Credit Counseling session, the counselor will go through the client’s income, expenses, assets, and liabilities, and will develop a detailed monthly budget. Counselors use the Credit Counseling process as an opportunity to educate each client on how to negotiate directly with creditors, change personal spending habits, and develop strategies for saving money. Counselors also have the ability to offer a debt management program to those that would benefit. The counselor will thoroughly discuss advantages and challenges of all options, including personal loans, bankruptcy, debt management programs, and self-administered payment plans. Counselors will also discuss client rights, public and non-profit resources that can offer assistance, and applicable laws and regulations. The entire Credit Counseling process will focus on you and your specific situation.
Don’t let the thought of this process overwhelm you, though. At the conclusion of a credit counseling session, you and your counselor will have developed a Personal Action Plan that will provide you with a detailed plan of attack for moving forward.
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