Don’t
know where to turn for information about personal
finance?
Need a little help achieving your financial goals?
Through BALANCE, you will receive
free, unbiased information and assistance. To use
the new services, simply call, toll-free, 1-888-456-2227
or click
here for more information. Counselors are
available Monday through Thursday, 8:00 a.m. to 11:00
p.m. (EST), Friday, 8:00 a.m. to 8:00 p.m. and Saturday,
11:00 a.m. to 8:00 p.m.
In many cases BALANCE counselors can
answer your questions immediately. If you’re wondering
how long something stays on your credit report or whether
it’s better to lease or buy a car, you’ll
get the answers as soon as you call. For those with
more complex issues, like debt problems or budget issues,
an appointment will be scheduled allowing enough time
to go over your budget and discuss options.
If bill payments are an issue, simply reworking your
current budget is not enough to help you get back on
track. Your counselor may be able to arrange a Debt
Management Plan and negotiate with creditors to reduce
payments, interest charges and fees as you work toward
paying off your debt. (As a member of APGFCU, the monthly
administration fee of $20 is waived.)
Balance can provide:
InfoLine
Certified counselors are available to answer your questions
about money management and other personal finance topics.
Professional financial advice and information is available
Monday through Thursday 8am–11pm, Friday 8am–8pm
and Saturday 11am–8pm (EST).
Money Management Counseling
If you’d like to get out of debt, improve your
credit or avoid bankruptcy, a counselor can help you
design a realistic spending and savings plan. Certified
financial counselors help you develop both short and
long term financial strategies to overcome challenges
and meet your goals.
Debt Management Plan
Consolidate your credit card payments, lower payment
amounts, and even reduce or eliminate interest and fees
to get out of debt.
Credit Report Review
Creditors, employers and others often use credit reports
to assess a person’s financial fitness. A BALANCE
counselor will review your credit report with you, making
sure you know your rights. They can even provide a low-cost
credit report for you.
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