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How Does Financial Counseling Work?

financial counseling

Debt and financial struggles can be overwhelming and stressful. Payments can be late or missed, and the months can drag on as your debt continues to rise. Luckily, there are many helpful resources that can be taken advantage of to help ease the pain of these circumstances. The free financial counseling offered by Advantage CCS can assist individuals burdened by debt in a number of ways, and they are all specifically tailored to each person’s needs.

Debt to Income Ratio

Financial counseling is a wise decision for those individuals whose spending tends to exceed their earnings. This is how debt and financial issues begin to arise, and unfortunately many tend to have a snowball effect. By working with one of our nonprofit financial counselors, and discussing your debt-to-income ratio, you can begin the process to financial freedom. Many factors of your current financial situation, including your possible unemployment, can help counselors understand your unique circumstances, and they can recommend some debt relief options that could help you. After your current budget and spending plan has been determined, you will be given a comprehensive game plan or what we call an Action Plan that will help you begin the process of working out your current financial hardship.

Finding Relief

As part of your debt help plan, Advantage CCS and its nonprofit financial counseling team will consolidate all of your payments into one monthly amount. This will not only simplify your finances, but it will also effectively lower your monthly payments in most cases. This is made possible by agreed upon arrangements between your financial counselor and your creditors, and is based on your current debt and payment schedules.

Fine Tuning Your Budget

This free financial counseling process is painless and incredibly helpful. By engaging in a stress-free conversation about your current financial issues, the nonprofit counselors can begin the process of developing a plan to aid you in dealing with your debt. As your lifestyle changes, so can your budget. Financial counselors are available to advise you on any adjustments you may need when changes to your income or debt occur. These services can be conveniently accessed online, by phone, or in-person.

Expected Outcome

As you begin to follow your advised plan, you will notice a number of positive changes. You will feel more organized and less stressed about which bills are due, and which you cannot afford. Soon the harassing phone calls from creditors will stop, and Advantage CCS will distribute your single monthly payment accordingly for you. You will also finally be given a realistic time-frame for when you will be out of debt. All of this can be made possible by taking advantage of our nonprofit financial counseling, and soon your financial hardships will be a thing of the past.

If you are facing a financial hardship, give Advantage Credit Counseling Service a call at 866-699-2227 or visit us online at www.advantageccs.org to learn more. We are here to help you!


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