Your first session will last 60 minutes, longer if you attend as a couple. In the first session, the client and counselor will complete a thorough Financial Health Assessment. This assessment captures demographics, service plan interest, financial health (income, spending, assets), financial services (usage, costs, and possible needs), and debt assessment (liabilities, costs, payment ratios, creditors, etc.), if applicable.
After the Financial Health Assessment, the client and counselor will decide which service plan or plans best fits the clients needs. These service plans are: Reducing Debt, Establishing/Improving Credit, Increasing Savings, and Access to Banking. Creating a budget is part of all service plans, and a free credit report will be provided to every client, unless they opt out.
Please bring the following documents if they are available: