Debt Counseling Services

Our counselor will take your through the process of Debt counseling in a professional manner to get you out of your debt situation and make you ready with the techniques which will prepare you to start towards your debt tackling situation. Debt Tackling techniques will teach you about the incoming and outgoing of your money and help you to have control over your money rather your money having control over you. Our counselor will first discuss about your situation and analyse the right technique for your situation and then plan with you the starting steps. The Credit/Debit Counseling program will involve below mentioned process. 

Benefits of Debt Counseling:
1. It will help you in reducing Stress.
2. It will provide confidence in keeping control of your Finances anf Life.
3. It will help you to gain ability to set Financial Goals and achieve them.
4. It will help you in planning for paying your living expenses.
5. It will plan to help you pay off your debts within your budget.
6. You can start saving money for your future.
7. It will hlp you in adjust to changes that happens in life.
8. It will provide you Money Coaching.
9. It will give you idea for extra income techniques.

Credit/Debit Counseling Process

    a). Financial Checkup - Counselor will discuss and go through your income and expenses and ask you to fill up few forms, Worksheets about your income and expenses.

    b). Money Management & Budgeting- According to your incomes & expenditures, a budget plan will be analysed that rather your income is enough to fulfill your daily expenses and pay off your debts.

    c). Money Coaching- If you are able to manage your expenses and debts within your budget as prepared and planned than the counselor will provide you support in implementing the budget plan.

    d). Debt Pay off from your Own budget- Now when the budget plan is ready and the income matches the debt pay offs than the counselor will help you prepare a plan for the Debt Pay offs in which it will be discussed which debt to pay first and how much and what will be the strategy to cover of and pay off all of the debt and help you in getting out off your debt situation. 

 e). Credit/Debt Counseling- If there is gap between your budget and debt pay off than the counselor will help you to find other techniques to raise funds within your Budget Plan and Net Assets. 

If after budgeting it is felt that the income is not matching with the debt and the daily expenses than you can opt for the Debt Management Plan which will involve working with your creditors to tackle the situation.