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Get in touch with one of our certified counselors at zero cost
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We will guide you, provide you all the information needed, create budgets, and explore each possible solution to your particular financial issues.
A more informed financial future begins today. Choose a new course of action.
With a solid understanding, support and review of your individual situation, you will feel confident in making the decision to  improve your financial future.
WHAT IS FINANCIAL LITERACY?
Financial literacy is the knowledge of and familiarity with personal financial concepts including budgeting, debt, credit, managing personal finance and personal income tax.
Free Credit Counseling
COST FREE
Our service is totally free.
TIME INVOLVED
1 or 2 quick phone sessions between 30 to 45 minutes.
CREDIT IMPACT
Counseling has no credit impact and will be not reflected on your credit report.
WHAT YOU WILL GET FROM OUR COUNSELING SERVICE?
Receive a complimentary debt and budget analysis
Get effective strategies to improve your financial situation
FREEDOM TO MAKE INFORMED DECISIONS FOR YOUR PARTICULAR SITUATION
CREDIT RESTORATION INFORMATION
Looking to avoid a financial disaster?
Do you have late payments or notifications from collection agencies? Get on the right path to the most efficient solution. We can help you choose.
Consumer Protection Plan
Do you know that debt collectors have to follow certain laws under the Fair Debt Collections Practices Act (FDCPA) but many of them break those laws when they call you because no one is listening?
All of our debt and credit counselors are appropriately trained and certified by the IAPDA and have their name listed in the company profile of the service center accredited by the IAPDA (Innova Credit Counseling)
Our courses
DEBT, CREDIT AND WEALTH: A PERSONAL FINANCE ELEMENTARY COURSE
This course is a complete guide that will allow individuals to take control of their finances and use money to generate wealth. It includes all necessary information to accomplish financial goals, handling and improving credit score, manage accounts properly, how to invest, and of course how to manage delinquent or overdue debts.
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HEALING & TRANSFORMING YOUR RELATIONSHIP WITH MONEY [PDF]
This course is intended to work with individuals and families who are experiencing problems of debt as a result of compulsive spending, compulsive incurring of debt, compulsive under-earning and problems managing inherited wealth. It is offered within a comprehensive framework that will lead to a healthy and balanced financial, emotional, and spiritual life.
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