The Financial Danger Zone: Are you in it?

Here's a quick and easy quiz that will tell you if you could be in financial danger:

1. Do you have one or more credit cards that are maxed out?
2. Are you behind on any monthly payments to any creditors?
3. Does your total monthly debt outweigh your monthly income?
4. Do you dread going to the mailbox or answering the phone?
5. Do you feel financially overwhelmed, stressed, and confused?

If you answered "YES" to any of these questions, you may benefit from credit counseling. If appropriate, you may find that a debt management program (DMP) is the best course of action for you. Our Consumer Credit Counseling Services (CCCS) agency's certified consumer credit counselors can help determine that, as well as identify ways for you to get your financial household back in order. A 501(c) 3 nonprofit credit counseling agency, we are focused on teaching our clients how to manage their household budget. Our counselors are a strong team of dedicated professionals certified through the NFCC (National Foundation for Credit Counseling). We continually strive to lead the counseling service industry by setting an example of excellence in every service we offer.

Nothing is more overwhelming that financial distress. It affects every aspect of your life. For that reason, don't put off contacting us if you need help. Managing your debt is the key that will unlock the door to your future. Talk to a credit counselor if you identify with any of the warning signs listed above. Procrastination is your worst enemy. Do something about this problem today!

Our Consumer Credit Counseling Services (CCCS) agency's credit counselors will work with you one-on-one to identify financial problems, find ways to resolve them, make recommendations, and get you back on track. You will be assigned a personal credit counselor who will work directly with you, counseling you on financial services and also suggesting outside referral agencies, such as WIC (Women, Infants, and Children) or social services, if appropriate. Our goal is to teach you how to make wise financial decisions for your future and develop a debt management plan that is specific (living within your means using a household budget) but also includes both short and long-term goals.

You can achieve your goals and control or even eliminate debt! In order to accomplish this, you will need patience and determination, but you will get through it! Do you have the need to get out of debt and the desire to reach all of your financial goals? Contact our Consumer Credit Counseling Services (CCCS) agency and let one our certified credit counselors help show you the way.