WHAT CAN WE HELP YOU WITH?
FFEF provides educational information to the general public on budgeting, personal finance, financial literacy, saving and spending practices, and the sound use of consumer credit, and assists individuals and families with financial problems by providing them with counseling, debt management services or a combination of both.
The Foundation's courteous and experienced certified credit counselors are devoted to assisting clients resolve their financial difficulties by providing them the education, guidance, money management tools, and the appropriate debt management service necessary to help clients become and continue to be financially successful. Call us and talk to one of our certified credit counselors and find out how we can help you find find financial peace!
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Credit Card Debt Services
We're sure that you didn't just wake up one morning and say, "Today I'm going to bury myself in debt!" Sometimes budgeting and even careful planning are not enough to keep you from finding yourself in serious debt. We can help. We will work with you and your creditors to find an affordable plan for you. You'll be surprised at how quickly you can take control of your finances. And managing your debt now is the surest way to find future wealth.
Since 1995 Family Financial Education Foundation has helped thousands of people eliminate their credit card debt and any other unsecured debt in as little as 2 to 5 years. Don't just take our word for it, read our client success stories. Our certified credit counselors are ready to help eliminate your credit card debt by:
- Reducing interest rates to a low fixed rate (see example of savings below)
- Lowering monthly payments
- Stopping harassing collection calls
- Consolidating debts into one low monthly payment
- Completely eliminating your credit card debt
Speak with one of our certified credit counselors and see how much we can save you. You will be amazed at how fast we can help you eliminate your credit card debt, reduce your credit card interest rates, and get you on the road to a debt-free life.
Our Debt Management Program can free you from the bondage of credit card debt!
Interest Rate Savings (achieved for one of our clients)
Total Debt Monthly Payment Average APR Monthly Interest Cost Total Time Interest Expense Creditors Plan $42,000 $1,100 25.3% $885.70 11 Yrs 9 months $49,218.84 With FFEF $42,000 $948 10.6% $370.35 4 Yrs 7 months $11,146.58 Savings $152 14.7% $515.35 7 Yrs 2 months $38,071.66
Accelerated Debt Pay Off
What is Rollup?
It's important that you become familiar with the process called "rollup." This is the process that will help you realize a debt-free life. Briefly, here's how the rollup process works:
Once we have worked out a plan with your creditors, FFEF sends your agreed-upon payment to them for you every month. Your bills are paid regularly and on time to avoid additional late fees, and multiple creditors are taken care of with only a single payment from you.
Once the lowest creditor balance is paid off, the money that was going to that account is added to (or rolled up) to the payment of the creditor with the next lowest balance. This process is simple, but it is one of the greatest advantages of our program and an incredibly effective tool in lowering your total interest costs.
Rollup accelerates your payments, shortens the time you are in debt, and significantly decreases the amount of money you will pay before you are debt free.
Wealth-builder Program
What is interest doing for you? If you have debt then you know how important interest rates are to your accounts. Interest compounded over time can eat away at your future wealth. Through FFEF's rollup payment plans you can not only be debt free in less than half the time you would be under a standard pay-off plan, you can start putting interest to work for you.
If you take the same amount of money that you would have been paying toward your debts for the remainder of the time that the FFEF payment plan saves you, you can exponentially increase your wealth. Call us to find out just how easy it is to not only get out of debt, but save for the future!
Credit Score Review
In an effort to help people have a better understanding of their credit --how it works, how to improve it and how to dispute inaccurate information, Family Financial is offering a low-cost way to get your credit report and scores from all of the three major bureaus, Experian, Transunion, and Equifax. More importantly, FFEF will review your credit report with you, line by line, to ensure the accuracy of what is being reported and to teach you how to read and understand your credit report. If there is inaccurate information, FFEF will provide you the letters that you will use, and important steps to follow, to get this inaccurate information removed from your credit report.
As a non-profit credit counseling company, all of our representatives are certified credit counselors as well as certified credit score reviewers so you know that you will be working with a professional that has been trained and certified to provide you with excellent training and support.
Take advantage of this great opportunity to find out your credit score with a comprehensive credit review session and credit improvement strategy.
Budget Planning
People who are in control of their finances are people who can account for their money. They plan ahead for needed cash, and they reserve money for foreseen as well unforeseen circumstances. They organize their finances in much the same way that businesses do their financial planning. Far too many families live paycheck to paycheck without any plan. One of the greatest benefits of a budget is not financial. It is emotional. There is an enormous psychological lift given to those who think through their financial needs and establish a budget to get where they want to go.
Work with our counselors to create a budget that is perfect for you and your family. Having control of your finances is one of the fastest ways to find peace in life.
Pre-Bankruptcy Counseling
Perhaps you have found yourself in a position where filing for bankruptcy is your only option. We work with our clients to help them understand the long-term consequences of filing a personal bankruptcy, and offer the required education necessary before filing with your state.
Bill-Pay Services
Simplify your life with one easy monthly payment. FFEF counselors can set you up with a single monthly payment that will cover all of your bills and make sure your payments go out on time. Stop worrying about missing a bill, or the last minute stress of running checks to the post office so they'll arrive on time. FFEF will make sure that all of your outstanding bills are paid on-time and in full. Work with a counselor to set up your plan today.
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