BALANCE - Credit Counseling Services

A comprehensive financial education and counseling service, BALANCE can help you better manage your money, consolidate debt and build a solid base for the future – at no fee. Certified Consumer Credit Counselors will work with you over the phone – in English or Spanish -- to help you establish financial control, get out of debt, and attain your financial goals. Their services include:

• Credit Report Review. Counselors will review your credit report with you and provide education about credit scoring, improving or maintaining the report, correcting inaccurate information and handling identity theft issues.
  
• Money Management Counseling. BALANCE will discuss your personal financial goals and address the issues holding you back from attaining your goals. BALANCE can assist with goal setting, budgeting, money management, debt repayment and savings plans.
  
• Debt Management. If you are having trouble making ends meet, receiving collection calls from creditors, or not able to make progress in repaying debt, a Debt Management Plan may be a good option.
  
• Bankruptcy Prevention. If a BALANCE Counselor identifies you as being high risk for bankruptcy filing, a specialist from their Bankruptcy Prevention Unit will be called upon. These specialists will discuss the consequences of filing Bankruptcy and search for any available options.
  
• Housing Education Program. BALANCE offers comprehensive pre-purchase education for members striving to buy their first home. They develop a detailed action plan including tools for money management, savings, debt repayment and credit report improvement. For those struggling with their current housing payments, BALANCE offers early delinquency intervention counseling to help avoid foreclosure.
  

Schedule your appointment now. BALANCE offers pre- scheduled 60-minute telephone counseling appointments throughout the day and evening, weekdays and weekends. Available in English and Spanish, you can schedule as many appointments as you need to achieve your goals. Contact BALANCE at 888-456-2227 or click below for online access.