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Financial Assessment
Everyone has a unique financial situation. A Credit Counselor can objectively identify your individual spending habits or financial needs that you are concerned about.
Do any of the below statements apply to you? Simply check yes or no to each of the following statements. Your responses are completely confidential and you do not have to give us your name or any other personal information.
Yes
No
Your income does not cover all of your monthly expenses.
Yes
No
You do not keep track of your expenses or maintain a budget.
Yes
No
You have not reviewed your credit report because you do not understand all of the information listed on the report.
Yes
No
You do not understand the impact of your credit on purchasing a car, house, insurance or even getting a job.
Yes
No
You regularly use credit cards to pay for necessities in order to stretch your paycheck.
Yes
No
You are paying late fees and over the limit fees on your credit cards and are not sure how to begin repayment.
Yes
No
You are unsure of the financial requirements for buying a house and what mortgage terms you can afford.
Yes
No
You are considering a reverse mortgage, but don’t have a lot of information about them.
Yes
No
You are living on a fixed income and can no longer afford your home.
Yes
No
You are struggling to meet your mortgage payments, and have been late.
Yes
No
You have received a foreclosure notice and need assistance to determine your next steps.
Yes
No
You are considering or have been advised by an attorney to file bankruptcy.
Yes
No
You have been laid off, experienced a cut back in hours, or a medical problem that has decreased your income.
Yes
No
You know of a situation that is going to change your finances, and you need to plan accordingly.
Yes
No
If you chose Yes to one or more questions, you may be able to benefit by seeing a Cetified Credit Counselor. To learn more and schedule yourself to see someone, call 1.866.JFCS.NOW (1.866.532.7669).
