Getting Started
Congratulations! You are ready to take control of your financial future by learning smart ways to manage your money.
There are two ways to get started: Call us to schedule a convenient in-person or telephone session or click on Begin Now to complete
on-line forms that will provide us with the information we need to help you effectively. We’ll contact you to schedule either a phone
or in-person session.
We can provide counseling in the following states. If you live in a state not listed, please call 1-800-388-2227 for referral to an
accredited agency near you.
Alaska
Colorado
District of Columbia
Florida
Georgia
Hawaii
Illinois
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Indiana
Kansas
Kentucky
Missouri
Montana
Nebraska
Ohio
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Oklahoma
Pennsylvania
Tennessee
Washington
West Virginia
Wyoming
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No matter which way you choose, in-person, telephone, or on-line, you and your counselor will work together to create an achievable spending
plan and develop action steps that will help you move forward towards reaching your financial goals.
Your confidential counseling session will begin with a review of your situation. You and your counselor will review your
financial goals and objectives. Then, your counselor will work with you to develop a budget and a personalized action plan
to meet your financial goals. You will also receive advice on managing money, handling credit wisely, and developing a savings plan.
For many people we counsel, the budget and personalized action plan provide all the advice they need to be able to handle their financial
situation on their own.
A counseling session should last about one hour, cover a wide range of financial issues, and it should be clear to you that the intention
of the session is to help you understand the best method to resolve your financial problems.
This initial session is free. While some of our services do require modest client fees, these may be reduced or eliminated in limited hardship circumstances.
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