Services include budget planning, financial education, resource referral, and debt management. Debt management is a renegotiation of the unsecured debts owed by a client with their creditors in order to get better repayment terms such as lower interest rates, waiving or reduction of fees, and re-aging of accounts in exchange for a consistent consolidated monthly payment made by the client. This is NOT a debt settlement program.

An educational program to help families or individuals with their finances by helping them devise a workable budget, analyze spending, assess credit and debt issues. This includes workshops for youth, adults, families one-on-one or in groups.

Clients receive budget counseling, debt management and credit restoration services via Certified Credit Counselors. We prepare an action plan to reduce debt and improve credit scores.

Trained volunteers meet with individuals to discuss how to make adjustments to household spending on a reduced income, ideas for negotiating with electric and credit companies and also include one-on-one financial counseling for clients as needed as well as to discuss micro business loans and help with start up costs, capital or expansion. These trained volunteers will work with individuals to address crisis situations (foreclosure, garnishes or repossessions) as well as developing budgets that will ease the strain on finances.

Money Management International are specialists in the areas of money management, credit cards, budgeting, and debt reduction. We offer credit counseling over the telephone, online, and face-to-face at one of our 50+ branches across the nation.

Provides free and confidential, phone or in person counseling, where a counselor analyzes income and debt, foreclosure, etc and develops a budget and action plan, and recommends a solution. If individual qualifies for and chooses to begin a Debt Management Program, counselor will negotiate payment terms and concessions with creditors. Also provides workshops and online resources that teaches how to improve money management skills and other financial help.

* Provides information on buying a home, renting, foreclosure, credit issues and reverse mortgages.

Provides credit/debt, budget, and housing counseling free of charge to consumers throughout New York. Counselors can help an individual with: Understanding their financial situation and goals Explaining debt management options Offering recommendations for how to get out of debt Developing a personalized action plan

Our Financial Literacy Program offers a step by step FREE education financial education on what not to do, how to fix your credit, what loans to choose from, and all the opportunities available at your finger tips. The Financial Capability program identifies the obstacles that prevent people from buying, helps them develop a plan and budget, and monitors the customer's progress towards overcoming the obstacles.

Can provide the credit counseling and debtor education required for anyone filing for personal bankruptcy.

Offers free, one-on-one, professional financial counseling to the residents of Onondaga County. Focuses on improvements in credit, banking, debt, and savings. Operates through partner agency counselors located at several locations in Syracuse. Currently offering services remotely only.

Provides home owner counseling for first time home buyers and credit counseling for all home owners.

* Offer home ownership counseling and credit counseling to first time home buyers.* Provides comprehensive foreclosure prevention counseling.* Offers financial literacy classes.

* Provides a variety of services to ensure that residents, regardless of income, are able to sustain safe and affordable housing. Foreclosure Prevention Services - Homeowners delinquent in their mortgage payments or in jeopardy of foreclosure can receive counseling to examine their budget, explore their options and establish an action plan. Certified Counselors assist with setting up repayment plans, loan modifications, short payoffs and deed in lieu of foreclosure. There is no fee for these services. Online Homebuyer Education Classes - Provides classes online through eHome. Upon completion clients will schedule a short session with an Agency housing counselor to answer any remaining questions and receive their certificate. Rental Counseling - Provides assistance in securing rental housing or negotiating issues with their current landlord. Credit Counseling.

Limited emergency financial assistance to Tioga County, NY residents only. Job board. Financial assistance determined on case-by-case basis and may available for security deposits, emergency prescriptions, heating assistance and utilities to avoid shut-off. Offers budget counseling. Depending on donations, may have school supplies.

Negotiates lower interest rates and waived late fees with your current creditors so you can pay off debt. Debts can include credit cards, collections, medical debts, payday loans, old utility accounts, and past cell phone accounts.

Various programs focus on helping individuals gain assets and become self-sufficient, improving the health and safety and energy efficiency measures in their home, and helping to develop and improve local businesses. Directly offers opportunities for home ownership and education, energy conservation through weatherization assessment, and renovation services. Also offers financial services such as budgeting along with homeownership, credit, bankruptcy, and foreclosure counseling.

Focuses on helping individuals gain assets and become self-sufficient, improving the health and safety and energy efficiency measures in their home, and helping to develop and improve local businesses. Directly offers opportunities for home ownership and education, energy conservation through weatherization assessment, and renovation services. Also offers financial services such as budgeting along with homeownership, credit, bankruptcy, and foreclosure counseling.

Services include budget planning, financial education, resource referral, and debt management. Debt management is a renegotiation of the unsecured debts owed by a client with their creditors in order to get better repayment terms such as lower interest rates, waiving or reduction of fees, and re-aging of accounts in exchange for a consistent consolidated monthly payment made by the client. This is NOT a debt settlement program.

Provides personalized financial management and budgeting education classes to assist families in asset building and work towards financial independence. Programming includes linkages to community resources, creating a budget, meal planning and grocery shopping, and home energy savings tips.

Money Management International are specialists in the areas of money management, credit cards, budgeting, and debt reduction. We offer credit counseling over the telephone, online, and face-to-face at one of our 50+ branches across the nation.

Consumer Credit Counseling will help clients understand their credit report, explain their credit rights, show the client how to dispute errors and help develop a plan to improve the client's credit history.

Free debt, budget, credit report and housing counseling to consumers, plus information and counseling on student loans.Housing counseling: mortgage and rent delinquency foreclosure prevention first-time homebuyer reverse mortgage home equity loansDebt management (fee): bring accounts current reduce interest rate waive late and overlimit feesBonded, licensed and registered to operate in all 50 states. Accredited by the Council on Accreditation and an an official U.S. Department of Housing and Urban Development (HUD) housing counseling intermediary.