Everyone has a unique financial situation and it can be difficult to objectively identify your individual habits or problems. A Credit Counselor can provide insight and advice on your finances before more serious issues arise.

The following is a list of scenarios that our Counselors often see with clients:

1. The client’s income does not cover all of their monthly expenses.
2. The client does not keep track of their expenses or maintain a budget.
3. The client has not reviewed their credit report because they do not understand all of the information listed on the report.
4. The client does not understand the impact of their credit on purchasing a car, house, insurance or even getting a job.
5. The client regularly uses credit cards to pay for necessities in order to stretch their paycheck.
6. The client is paying late fees and over the limit fees on their credit cards and isn’t sure how to begin repayment.
7. The client is unsure of the financial requirements for buying a house and what mortgage terms they can afford.
8. The client is considering a reverse mortgage, but doesn’t have a lot of information about them.
9. The client is living on a fixed income and can no longer afford their home.
10. The client is struggling to meet their mortgage payments, and is often paying late.
11. The client has received a foreclosure notice and needs assistance from an approved housing counseling agency.
12. The client is considering or has been advised by an attorney to file bankruptcy.
13. The client has been laid off, experienced a cut back in hours, or a medical problem that has decreased their income.
14. The client knows of a situation that is going to change their finances, and needs to plan for the future.
15. The client has contacted CCCS before for another issue, but isn’t sure if more help is available.

If any of these scenarios apply to you, or they have helped you recognize a financial problem or question you may have, please contact one of our Counselors to schedule a session.