Programs & Services

Help for Every Stage of Financial Recovery

From the first overdue notice to your final payment and beyond — honest, certified, faith-informed guidance that puts you back in control.

A counselor and a client reviewing a simple repayment plan together at a desk
Debt Relief

Debt Management Plans

Replace a pile of due dates with one affordable monthly payment. We work directly with your creditors to lower interest and waive fees, so more of every dollar goes to what you owe.

  • One simple monthly payment for all enrolled accounts
  • Lower interest rates and waived late fees in many cases
  • Most clients are debt-free in 3–5 years
3–5 yearsOne payment
A smiling young adult looking at an improving credit score on a laptop
Credit Rebuilding

Rebuild Your Credit, Step by Step

Your score is not your worth — but it does open doors. We help you understand your report, fix what’s wrong, and build habits that raise your score over time.

  • Free credit report review with a certified counselor
  • Help disputing errors and outdated accounts
  • Secured-card strategy and monthly score coaching
Score coachingFree report review
A financial coach and a client building a monthly budget together
Budget & Financial Coaching

A Certified Counselor in Your Corner

Meet one-on-one with a certified counselor who helps you build a budget that actually works for your life — and stays with you while you live it.

  • Personal budget and spending plan
  • Emergency savings goals you can reach
  • Bankruptcy pre-filing counseling, if it’s the right path
One-on-oneIn-person or virtual
A counselor calmly helping a worried older adult review bank statements
Fraud & Scam Victim Support

You Were Targeted. You Are Not to Blame.

Losing money to a scam or identity theft is devastating. We help you act quickly, protect what you have left, and recover your footing — with care, not judgment.

  • Help reporting to the FTC (ReportFraud.ftc.gov), IC3, local police, and your bank
  • Credit freezes and a personal identity-theft recovery plan
  • Emotional support and a budget to stabilize after the loss

We never charge fees to ‘recover’ lost money, and no one can guarantee it — beware of recovery scams.

Always freeIdentity protection
A family standing together on the front steps of their home
Housing & Foreclosure Prevention

Keep a Roof Over Your Family

Behind on rent or mortgage? The sooner we talk, the more options you have. Our housing counselors work with lenders and landlords on your behalf.

  • Mortgage modification and forbearance guidance
  • Foreclosure prevention counseling
  • Rental and utility assistance referrals
Housing counselorsAct early
Parents and two children sitting at a kitchen table, sorting coins into savings jars
Family Financial Wellness

Finances Are Stronger When Families Plan Together

Money stress touches everyone in the home. We help couples and families talk openly, set shared goals, and pass healthy habits on to the next generation.

  • Couples money sessions
  • Teen money skills program for ages 13–18
  • Monthly financial literacy workshops
Open to all families
Whole-Person Support

Included in Every Program

Every client receives a personalized plan built from the tools and support that matter most to them.

Certified Counselor

One dedicated, certified counselor who knows your story.

Personal Budget

A realistic spending plan built around your real life.

Creditor Negotiation

We talk to creditors so you don’t have to face them alone.

Credit Report Review

A free, line-by-line review of your full credit report.

Financial Education

Workshops on saving, credit, banking, and avoiding scams.

Savings Builder

Matched savings that help you build an emergency cushion.

Faith & Finances

Biblical stewardship classes and mentoring — always optional.

Client Portal

Appointments, progress, messages, and documents in one secure place.

Fees & Cost

Don’t Let Cost Stand in the Way

As a donor-funded nonprofit, our counseling is free. If you enroll in a debt management plan, fees are small, capped, and waived for hardship.

  • Free, confidential financial counseling — always
  • Debt management plan setup fee waived for hardship
  • Monthly plan fee of no more than $35/month, waived for hardship
Check If You Qualify