Free Budget Analysis by Certified Credit Counselors to improve Financial Health & Reduce Debt
Each individual that contacts CCMS for advice is offered a free budget analysis to assess their current financial situation. Your budget is vital to your financial health. Several areas will be examined to determine your current financial well-being, including:
- Monthly expenditures
- Unsecured debts
- Net monthly income
- Disposable income
- Expense-to-income ratio
A certified credit counselor will guide you through the budgeting process, offering you valuable insight on how to maximize your income, reduce unnecessary expenses and increase your overall financial health. Those consumers who show significant financial need may be encouraged to enter a debt management plan that will help you reduce your monthly payments, reduce interest rates, stop late and over-limit fees and get a fresh start on paying off your unsecured credit cards and personal loans.
If you are currently in need of financial guidance, please contact Credit Card Management Services at (800) 920-2262 or fill out our online application form and budget worksheet. At no cost or obligation, a certified consumer credit counselor will review your financial information at your convenience and provide you with a free budget analysis and a recommended course of action for your financial problems.