Financial Counseling & Initial Consultation

Financial Counseling & Initial Consultations

Your consultation will be over the phone with a highly trained counselor who can analyze your financial situation and offer solutions that will change your financial future. You can expect that your consultation will last about 90 minutes. We will review your debts, income, and household expenses during this consultation. 

Everyone's situation is unique, so as our counselor discusses options with you, she will provide you with the pros and cons of those options so that you can make well-informed decisions.

If you have a copy of your credit bureau report we would be happy to review it with you.  At the end of your appointment, we will provide you with a written budget outline and a personalized analysis will show you where you are spending your money and how your spending compares to the national guidelines.

Items to Have Ready for Your Appointment

  • A recent paycheck stub.
  • Statements and/or payment books for all of the bills you owe. If you are interested in Chapter 128.21, we will ask you to mail or upload copies of your statements before you file your action so that we are guaranteed to have the correct account numbers and addresses for the creditors that you want to include.  We have a secure portal where you can upload information to us if you desire. 
  • Copies of legal actions such as Judgments, Garnishments, and Repossessions.
  • Balances and account numbers for any bills you do not have a statement or payment books for.
  • Knowledge of how much you spend on the following: rent, utilities, groceries, entertainment, clothing, gifts, insurance, child care, medical expenses, utilities, etc. If you have to spend money on it, we will discuss it. You may print off forms that will assist you in gathering your budget information.

Cost and Payment

$80.00 Cost. An electronic invoice will be issued that will allow you to pay this fee using your debit card.

We ask that you document your monthly expenses before your appointment, you may use the PDF documents that have been made available. The forms provided will help you document your expenses and the other information that we will request.   If you prefer that we mail you these documents, please ask and we will gladly do that for you.  We understand that everyone has a different level of technological access and ability and we will work with a method that you find comfortable.

Completing these forms in advance of your consultation will enable you to provided more accurate information to us. The accuracy of the analysis that we will provide to you is determined by the accuracy of the information you provide.

We’d love to hear from you! Call our friendly team at (920) 897-4130.

Share by: