PROGRAMS
Budget counseling: helps families and individuals establish budgets, set financial goals, learn about savings and checking accounts Debt management: sets up repayment programs with unsecured creditors, establishes lower monthly payments, allows repayment of entire debt in 60 months or less, provides an alternative to bankruptcy Pre-filing bankruptcy counseling and education: as approved by the U.S. Department of Justice Housing counseling: educates consumers before or after buying a home, or reverse mortgage, includes foreclosure prevention Consumer credit: interprets reports, resolves disputes, or corrects reports to improve credit scores
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