 Have you ever said to yourself, "If only I made a little more?" Does managing all your debts make you feel like you're navigating a maze and getting nowhere fast?
Thanks to a special partnership, RBCU members have access to up to six (6) FREE, confidential sessions annually with a certified consumer credit counselor at LSS Financial Counseling Services. Most sessions take place in-person, with the remainder done over the phone or via the internet. The details of these sessions are confidential and are not shared with anyone at RBCU.
Call LSS Financial Counseling at the dedicated RBCU number of 800-528-2926. Or, visit the LSS website to set up an appointment (by phone, in-person, or online) and take advantage of their services today. You've got everything to gain.
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Budget Counseling
Living paycheck to paycheck? Budget counseling is available to anyone concerned about their financial situation or having difficulty with debt. Financial counselors can help reduce money worries by helping you create a workable monthly budget and an action plan LSS can also help you understand what's in your credit report with their Credit Report Review service.
Debt Management Plan
Worried about your credit card debt? Creditors demanding more than you can pay each month? A Debt Management Plan (DMP) may be the answer if your income allows you to meet your day-to-day living expenses, and leaves enough for reasonable payments to creditors. Many creditors will reduce interest rates and stop late fees on a DMP. Fees apply to this service, call for more information.
Housing Counseling
Looking into home ownership? Having trouble maintaining housing expenses? Combining housing education with budget counseling, LSS counselors can assist families with housing issues, including pre-purchase, delinquency or foreclosure prevention.
Some of the specific financial problems that might be explored during the above sessions include:
- Personal and family money management and budgeting
- Understanding credit reports and improving credit scores
- Debt repayment options including debt management plans (DMP)
- Consumer protection and preventing and resolving identity theft
- Mortgage default, foreclosure prevention, and predatory lending
- Home buying readiness, mortgage financing, and reverse mortgages
- Bankruptcy consequences and alternatives
- Student loan issues including borrowing, repayment, default, and repossession
- Vehicle loans including borrowing, repayment, default, and repossession
- Gambling, alcohol, and drug abuse addictive behaviors as related to financial problems
- Mental health, disability, family and marital stresses as related to financial problems
Want More Information?
E-mail LSS or visit the LSS website for a list of locations and more information.
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