Provides budget and debt management and repayment counseling, HUD approved mortgage delinquency and default resolution counseling, home purchase counseling, bankruptcy counseling, post bankruptcy education, and student loan counseling.

Provides financial counseling, pre-purchase counseling and education, post-purchase counseling and education, and reverse mortgage counseling.

Credit Report Review includes a copy of the credit report, scores, the review of the report by a certified consumer interviewer, and suggestions on how to improve the report or dispute errors.

Provides Pre-Filing Bankruptcy Counseling and Pre-Discharge Education (a requirement for filing bankruptcy). Agency is approved by the EOUST to provide counseling and education, and provide required certificates.

Offers homeownership counseling for first-time homebuyers and homeowners facing foreclosure. Includes information about first-time homebuyer loan programs and how to develop a sustainable plan after a home purchase. Also offers financial counseling to create budgets, make plans to reduce debt, improve credit scores, and build financial stability. Includes information about Individual Development Accounts. Also offers a "Ready to Rent" workshop for those interested in renting a place to live.

Offers services to assist community members in getting back to a place of financial self-sufficiency. Asset building services include Earned Income Tax Credit (EITC) assistance and FDIC Money Smart Financial Education classes. One-on-one counseling is also available for credit health assessments, business plans, debt reduction, and accessing free credit reports. Also offers tax preparation assistance and computer access for self-filers.

Brings together local resources to expand access to first-time and second-chance bank accounts for low- and moderate-income residents, especially working families. The goal is to assist unbanked and under-banked residents in achieving greater economic prosperity by connecting them to financial mainstream services. This goal includes increasing the availability of financial education and credit counseling services; providing outreach; and involving the support of financial, workforce development, social service, housing, and government agencies.

Offers credit counseling and debt repayment counseling.

-Credit Counseling: A certified credit counselor meets with the client to review and evaluate the client's current financial situation; develop strategies to manage creditor payments as part of a balanced budget; evaluate personal financial goals; and create an action plan.

-Debt Management Program: For those with unmanageable credit card debt, ClearPoint offers the implementation of a structured debt management plan (DMP) to pay off debt. ClearPoint negotiates with the client's creditors for reduced fees and interest for the term of the program. The client makes one monthly payment to ClearPoint, which electronically disburses the funds to each creditor. The program continues until the debt is completely paid off. Includes follow-up visits.

National Foundation for Credit Counseling (NFCC) member agencies provide financial reviews and education in person, over the phone, or online. Services include:
-Credit/Debt Counseling
-Bankruptcy Counseling
-Housing Counseling (Pre-Purchase, Foreclosure Prevention, and Reverse Mortgage)
-Student Loan Debt Counseling
-Debt Management Plans
-Credit Report Reviews
-Foreclosure information
-Tips for first-time Veterans and military homebuyers

Helps households buy, maintain, and sustain affordable home ownership through various programs:
-First-time home ownership classes and counseling
-Financial literacy classes, individualized financial coaching, and credit counseling
-Down payment assistance loans, reverse mortgage counseling, mortgage payment assistance, and help with property taxes
-Asset building and matched savings programs (Individual Development Accounts)
-Low-interest, payment deferred home rehabilitation loans

Helps households buy, maintain, and sustain affordable home ownership through various programs:
-First-time home ownership classes and counseling
-Financial literacy classes, individualized financial coaching, and credit counseling
-Down payment assistance loans, reverse mortgage counseling, mortgage payment assistance, and help with property taxes
-Asset building and matched savings programs (Individual Development Accounts)
-Low-interest, payment deferred home rehabilitation loans

Helps households buy, maintain, and sustain affordable home ownership through various programs:
-First-time home ownership classes and counseling
-Financial literacy classes, individualized financial coaching, and credit counseling
-Down payment assistance loans, reverse mortgage counseling, mortgage payment assistance, and help with property taxes
-Asset building and matched savings programs (Individual Development Accounts)
-Low-interest, payment deferred home rehabilitation loans

Helps households buy, maintain, and sustain affordable home ownership through various programs:
-First-time home ownership classes and counseling
-Financial literacy classes, individualized financial coaching, and credit counseling
-Down payment assistance loans, reverse mortgage counseling, mortgage payment assistance, and help with property taxes
-Asset building and matched savings programs (Individual Development Accounts)
-Low-interest, payment deferred home rehabilitation loans

One-on-one financial coaching to set financial goals and make individualized plans to achieve those goals. Financial coaches can provide encouragement; help with the basics of personal finance; assist, develop, and maintain healthy financial habits; offer credit counseling; provide accountability tools; and connect clients with resources and experts.