Whether you’re interested in developing a workable spending and savings plan, getting out of debt, buying a home or planning for your financial future, we want to help. BALANCE services include the following:
Debt & Budget Coaching
BALANCE counselors can help you explore the option of a Debt Management Plan (DMP) for repayment of unsecured debt. Counselors can also review your current spending patterns, create a spending plan that allows you to take charge of your financial situation both on a month-to-month basis and in the long term. They also can discuss your financial goals and develop an action plan for overcoming challenges so you can achieve those goals.
Credit Report Review
BALANCE counselors can review your credit report and answer questions about credit scoring, building a strong credit history, and correcting any inaccuracies that appear in your report.
Student Loan Coaching
BALANCE counselors can assist those still in school as well as those who have graduated and are managing student loan debt.
Housing can be an overwhelming subject to tackle on your own, whether you are dreaming of owning your first home, or struggling to make mortgage payments on your current home. BALANCE counselors are readily available to help you make sense of it all, including help with pre-purchase counseling, foreclosure prevention, and reverse mortgage counseling.
BALANCE offers free education on building credit and becoming a desirable tenant. Specialized rental counselors will help you develop a personalized spending plan and provide you with advice for saving money, increasing income, and reducing debt.
If you are facing bankruptcy, BALANCE counselors can provide you with required pre-filing and pre-discharge education and counseling.