When you are facing financial difficulties the time has to come to receive Credit Counseling services . When you contact us, one of our Certified Financial Counselors will help you determine the best way to approach your situation and will provide you with the best options you may have. In order to do that the CFC assigned to you will look at: * Your current financial situation. * Provide you with a detailed review of your income, assets and expenses. * Provide your options based on your goals, which may include educational materials * What your options are for you to decide. At the end of the credit counseling session you will feel good knowing that there are options available and that you are not alone.