If you are having trouble keeping up with your bills, one of your
options might be consolidation of your bill payments.
During your free and confidential hour-long
session, your counselor will go over your income, living expenses and debt in
detail and will offer information and suggestions for dealing with debt issues
such as delinquent rent or mortgage payments, credit card bills, past due utilities,
back taxes or student loan delinquency, or credit accounts sent to collections.
You might also choose a one-hour appointment to go over first time homebuyer
preparation (budgeting to pay off debt and save for a down payment, among other
Schedule an Appointment
Call BALANCE at 888.456.2227 Monday through
Thursday between 5am–8pm, Friday 5am–5pm, and Saturday 8am–5pm (PST) or email
and BALANCE will call you back to schedule the appointment.
Preparing for the Consultation
To design the most effective plan for becoming debt
free, your counselor will need to know your monthly income and living expenses
as well as how much you owe to each of your creditors. Prior to the session, we
suggest you complete our client worksheet Personal Financial Assessment (PDF)
so the session can be spent analyzing your information and developing an
effective plan of action.