|The following servces are available:
- Improving lives through financial education;
- Credit counseling--During a confidential session, individuals can assess their financial situation--no fee--a nonprofit company;
- Debt management plans--A dept management plan (DMP) is a financial tool that allows individuals to repay their debts. Professional credit counselors negotiate directly with a person's creditors to lower interest rates, waive late fees, and eliminate collection calls whenever possible. Fee is on a sliding schedule.
- Housing counseling;
- Financial education workshops.