Credit Counseling
Director-Elizabeth Estes
Hours of Operation: Monday through Friday 8:30 am - 5:30 pm
Director-Elizabeth Estes
Hours of Operation: Monday through Friday 8:30 am - 5:30 pm
Finding your way when financial problems seem overwhelming can be difficult. Fortunately, certified financial counselors at Consumer Credit Counseling Service of Northern Nevada can help you find the solution that is best for you.
Our counselors are certified through the National Foundation of Credit Counselors and our counseling sessions are free of charge.
During the session, your counselor will work with you to determine the best course of action for your specific situation. That could include a simple budget, a debt management plan or possibly even bankruptcy. Whatever the outcome for you, rest assured that our counselors have your best interests in mind when making a recommendation.
We offer three types of counseling: In person, over the phone and online. To begin the online process, fill out this simple form and submit. A counselor will be in touch with you very soon. To schedule a session in person or over the phone, call 775-322-6557.
Click here for consumer tools that may help you
How Do I Know If I’m In Financial Trouble?
NFCC Provides Test to Determine Level of Financial Distress
Many Americans continue to bury their heads in the sand, ignoring the fact that their credit card balances are growing, their savings account balances are diminishing, and a recession is possibly on the economic horizon.
The National Foundation for Credit Counseling (NFCC) suggests that consumers take the following quiz. The results will reveal whether or not they need to seek professional help to avoid falling into a deeper financial quagmire.
Whether the problem stems from a lack of financial education, financial mismanagement, concerns over meeting the mortgage payment, or if bankruptcy is being considered, sitting down with a trained third party will add insight to the situation.
The first step toward a financially stable tomorrow is facing your situation today. Answer True or False to the following questions, and then tally your score. See the suggested scoring at the bottom to determine whether or not you are a candidate for credit counseling.
I normally pay only the minimum amount due on my credit card bills.
My credit card balances increase each month.
There are arguments in my home about money.
I sometimes hide purchases from my spouse.
I frequently charge items that I used to pay for with cash.
I have thought about filing for bankruptcy.
I have begun using cash advances to meet my obligations.
Most of my credit cards are near the limit, so I've begun applying for new lines of credit.
I do not know the total amount that I owe.
I skip paying my bills some months, or pay late.
I have depleted my savings.
I am consumed with thoughts of my debt.
My debt interferes with my job and/or home life.
Collectors have begun contacting me.
I have taken money from my retirement account to satisfy debt obligations.
If I lost my job, it would mean an immediate financial crisis in my life.
I use balance transfers.
I have no emergency savings account.
Next month's bills arrive before I've paid this month's.
I do not open my bills when they arrive, or soon thereafter.
Most people answer True to two or three of the above questions. If you found more than that to fit your situation, you would benefit from credit counseling with a trained and certified counselor.
Our counselors are certified through the National Foundation of Credit Counselors and our counseling sessions are free of charge.
During the session, your counselor will work with you to determine the best course of action for your specific situation. That could include a simple budget, a debt management plan or possibly even bankruptcy. Whatever the outcome for you, rest assured that our counselors have your best interests in mind when making a recommendation.
We offer three types of counseling: In person, over the phone and online. To begin the online process, fill out this simple form and submit. A counselor will be in touch with you very soon. To schedule a session in person or over the phone, call 775-322-6557.
Click here for consumer tools that may help you
How Do I Know If I’m In Financial Trouble?
NFCC Provides Test to Determine Level of Financial Distress
Many Americans continue to bury their heads in the sand, ignoring the fact that their credit card balances are growing, their savings account balances are diminishing, and a recession is possibly on the economic horizon.
The National Foundation for Credit Counseling (NFCC) suggests that consumers take the following quiz. The results will reveal whether or not they need to seek professional help to avoid falling into a deeper financial quagmire.
Whether the problem stems from a lack of financial education, financial mismanagement, concerns over meeting the mortgage payment, or if bankruptcy is being considered, sitting down with a trained third party will add insight to the situation.
The first step toward a financially stable tomorrow is facing your situation today. Answer True or False to the following questions, and then tally your score. See the suggested scoring at the bottom to determine whether or not you are a candidate for credit counseling.
I normally pay only the minimum amount due on my credit card bills.
My credit card balances increase each month.
There are arguments in my home about money.
I sometimes hide purchases from my spouse.
I frequently charge items that I used to pay for with cash.
I have thought about filing for bankruptcy.
I have begun using cash advances to meet my obligations.
Most of my credit cards are near the limit, so I've begun applying for new lines of credit.
I do not know the total amount that I owe.
I skip paying my bills some months, or pay late.
I have depleted my savings.
I am consumed with thoughts of my debt.
My debt interferes with my job and/or home life.
Collectors have begun contacting me.
I have taken money from my retirement account to satisfy debt obligations.
If I lost my job, it would mean an immediate financial crisis in my life.
I use balance transfers.
I have no emergency savings account.
Next month's bills arrive before I've paid this month's.
I do not open my bills when they arrive, or soon thereafter.
Most people answer True to two or three of the above questions. If you found more than that to fit your situation, you would benefit from credit counseling with a trained and certified counselor.
''Find help. If you doubt that you can do this alone, contact the National Foundation for Credit Counseling (NFCC) to find one of their credit counseling services in your area (800-388-2227; nfcc.org). NFCC credit counselors are experienced, helpful, relatively inexpensive, and they can negotiate a lower rate and/or a repayment schedule for you."
Suze Orman, From the March 2003 issue of O, The Oprah Magazine
Suze Orman, From the March 2003 issue of O, The Oprah Magazine
575 E. Plumb Lane
Reno, NV 89502
Toll free: 800-275-0137
FCS: 775-329-0623
CCCS: 775-322-6557
Fax: 775-322-2059
Reno, NV 89502
Toll free: 800-275-0137
FCS: 775-329-0623
CCCS: 775-322-6557
Fax: 775-322-2059
