BALANCE Debt and Budget Coaching

While there are hundreds of “debt counseling” organizations across the country, we at BALANCE have agreed to quality standards that include accreditation, certification of counselors, audits and core policies that ensure quality service. We offer a Debt Management Plan, and are committed to providing comprehensive money management education and counseling.

To speak with a counselor, call the toll-free phone number found in the upper right corner of this page.

Day Time(PST)
Monday–Thursday 7:30 AM–6:00 PM
Friday 7:30 AM–5:00 PM
Saturday 9:00 AM–2:00 PM
Day Time(EST)
Monday–Thursday 10:30 AM–9:00 PM
Friday 10:30 AM–8:00 PM
Saturday 12:00 AM–5:00 PM

Debt Management Plan
Many BALANCE clients work with their counselors to explore the option of a Debt Management Plan (DMP) for repayment of their unsecured debts. The DMP can offer lower interest rates, a cessation of certain fees, and lower required monthly payments. We work directly with your creditors on your behalf. Over the years, the plan has helped hundreds of thousands of people save millions of dollars and pay off debts, and move closer to their financial goals. Please review our DMP disclosures.

Budget Counseling
BALANCE counselors can review your current spending patterns, create a spending plan that allows you to take charge of your financial situation both month to-month basis and in the long term. They also discuss your financial goals and develop an action plan for overcoming challenges so you can achieve those goals.
Personal Financial Assessment Form
To design the most effective plan for becoming debt free, your counselor will need to know your monthly income and living expenses as well as how much you owe to each of your creditors. Prior to the session, we suggest you complete a Personal Financial Assessment so the session can be spent analyzing your information.Personal Financial Assessment

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