Credit Counseling

Our Credit Counseling Program is designed to help people in large, often unmanageable debt get back on their feet.

We work with you to assess your financial situation, taking into account your monthly liabilities, expenses, and assets.

Many people find that even though they have an excellent income, that they can not keep up with their current debt load and even if they are managing to make their monthly payments they are not getting ahead… does that sound like you?

Helpful Hands Credit Counseling may very well be the answer you are looking for. Our Helpful Hands Credit Counseling Program is designed to help correct your problem without impacting your credit score and may actually help improve your credit score. Through education our counselors work with you to ensure that you have the knowledge needed to over come your credit problems.

Upon entering into our Helpful Hands Credit Counseling Program you will be asked for financial details in order to assess a plan that will help you become debt free in three or four years.

Our program entails one on one education, information and counseling; there will be no ‘marks’ or entries placed on your credit. The success of Helpful Hands Credit Counseling Program will be based on your sincere effort to apply the information learned and your conviction to succeed.

The hardest part for many people is to break the habit of reaching for a credit card to pay for a bill.

The second hardest thing for most people to do is to learn to live within in their means.

In our ‘instant microwave society’ many of us have become used to instant gratification and often we feel entitled to it, but perhaps if we had shown a little more discipline in the first place we wouldn’t need credit counseling now.

In general, credit counseling is a good and reasonable option if you find yourself with too much debt. Enrolling in our Helpful Hands Credit Counseling Program will not effect your credit score and will ultimately make you a better person as you will learn better skills for handling your money.

Let bankruptcy be the last option. If you find yourself slipping into revolving credit card debt problems make sure you take the correct steps to resolve the problem, call now and speak with one of our Helpful Hands Counselors today.