We Can Help You Get Out of Debt - Our certified Credit Counselors will work with you and your creditors to develop a personal plan that will potentially:

• Lower monthly payment obligations

• Alleviate anxiety and restore self-respect

• Prevent foreclosure, garnishment or bankruptcy

• Pay off unsecured debt within 3-5 years

How We Help:

Budget Counseling - to help set up a personal budget and review bankruptcy alternatives if needed.

Credit Report Reviews - to offer clients the opportunity to obtain, review and improve their credit rating.

Debt Management - to assist clients in developing payment plans and creditors with LifeSpan disbursing the payments.

Housing Counseling - works with families looking to purchase a home and set financial goals to ensure a successful homeownership.

Personal Financial Management - a consumer money management education course for groups.

Pre-Filing Bankruptcy Counseling - Disclosure Form - to assist families as they make the decision of whether to file for bankruptcy and, provide possible alternatives.

Pre-Discharge Bankruptcy Course - Disclosure Form Pre-Discharge - an education course for families that have recently filed bankruptcy; gives a roadmap to financial health after filing.

Predischarge Survey

On-Line Bankruptcy Course - Before receiving a certificate you must follow ALL of the following steps:

1) Complete and submit the disclosure form.  2)  Pay for course – request any waivers.  3) Complete course in it’s entirety – all worksheets must be  completed.  4) Call our office at 868-9220 to schedule an appointment with a counselor.  The counselor will review the worksheets and answer any questions you may have after which they will issue your certificate.

On-Line Financial Literacy Course

$$ Forms to bring when attending a Counseling Session $$

When you come in for your appointment you must bring the completed worksheet printed from above, bills, statements, credit cards, paycheck stubs for a period of one month, letters from creditors, lawyers or collection agencies, and a one-time educational fee of $35 in cash for Credit Counseling. 

For Bankruptcy Pre-Filing appointments you must bring the above mentioned paperwork and if you already have an attorney, that attorney’s name, address and phone number, and $50 in cash (if counseling in person) or $50 money order (if counseling by phone).

(Forms must be completed)

Consumer Education Classes - For groups who wish to learn about budgeting and money management. Classes are held Tuesday nights from 6:00 p.m. - 8:00 p.m. at LifeSpan - 1900 Fairgrove Avenue, (Rt. 4), in Hamilton.

 Click here for TIME events

Credit Report Reviews - Obtains credit reports for clients and helps them review the reports.

     Important Notes:

• Counseling sessions are confidential.

• Our Counselors are Certified Credit Counselors.

• Member of the National Foundation for Credit Counseling (NFCC), COA Accredited.

• LifeSpan, Inc., NFCC and MSN Money work in partnership to help families with their finances.  Please click on the link below to access the MSN Money website.