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Free personal budgeting counseling.
“I was facing bankruptcy after I lost my job. This program has literally given me my life back.”
– Allison, debt management client
Credit and budget challenges are stressors like no
others. HELP: Debt
Management offers a debt repayment service licensed by the Virginia State
Corporation Commission. The program can help you recover from financial
crisis and establish a working, livable budget. HELP: Debt Management offers free counseling
to families and individuals on personal budgeting, housing and the wise
use of credit.
A certified credit counselor will work with you to analyze your spending
and saving patterns based on your income and will help you design a workable
household budget. Your counselor will also offer advice on money management
techniques and, if needed, set up and administer a debt management plan
to help you repay your creditors.
The plan, when followed, will help you get back on track and repay your
creditors without resorting to other more serious measures such as bankruptcy.
The plan is accepted and endorsed by most creditors nationwide. In fact,
many of them make concessions by reducing finance charges, stopping late
fees or lowering monthly payments. They also stop collection activity,
which means no more phone calls at home or work from bill collectors!
SERVICES:
- Personal Budgeting
- Housing Counseling
- Debt Repayment Programs
LEARN MORE:
Call for an appointment
804.285.5900
TTY 804.285.1630
Email us
RESOURCES:
Money Management Worksheet (Word file)
Current Budget Worksheet (Excel file)
Creditor Information Sheet (Excel file)
Counseling Agreement (Word file)
Client Rights and Responsibilities (Word file)
View
our Privacy Policy (pdf
file)
