Budget and Credit Counseling

ClearPoint Credit Counseling Solutions’ (CCCS) certified counselors are experts on a variety of personal finance topics, including budget and credit. Our counselors are available in-person at our branch locations, over the phone, and via the Internet to help you develop a plan.

What is budget and credit counseling?

During your free credit counseling session, which lasts about an hour, you and your credit counselor will develop a plan that will address your household budget, debt, creditors, and savings. Your counselor conducts a review of your financial situation and discusses your financial goals. To get a more clear picture of your situation, with your permission, your counselor will also run your credit report.

If you prepare your budget, a list of your monthly expenses and income, before the credit counseling, you’ll have more time ask questions and discuss options with your counselor.

Plan of action

We’ll create an action plan detailing your personal goals and strategies to guide you toward financial success.

Your confidential counseling session may result in various options, depending on your particular situation. For instance, when appropriate, we offer a customized debt management program that allows you to steadily reduce your debt and resolve conflicts with your creditors.

ClearPoint’s specialists also can discuss: the benefits and consequences of bankruptcy, how to handle the situation on your own, and ideas for increasing income and decreasing expenses.