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    Archived pages: 361 . Archive date: 2012-12.

  • Title: FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: .. 1.. 800.. 747.. 9307.. About Us.. Blog.. Contact Us.. Home.. Credit Counseling.. Debt Management.. Housing Counseling.. Bankruptcy Counseling.. Education Resources.. Client Login.. We are a.. Christian Credit Counseling.. Non Profit Debt Relief Organization.. We provide faith-based.. financial education.. and non profit.. counseling.. to families struggling to find hope in the midst of crisis.. We have been blessed to work with thousands of families and individuals seeking financial relief since 1986.. Whether you have questions about.. setting up a budget.. or questions about your debt load, we can help.. Let us HELP you.. take the first step toward.. financial Freedom.. Learn more about.. credit counseling.. before you begin this journey.. Debt Management is only available in.. certain states.. Yes.. I have read the.. Privacy Policy.. and.. Client Rights and Responsibilities.. At the end of your rope?.. Our counselors can guide you.. on a path to Financial Freedom.. Call 1.. 9307.. As Christian counselors, Family Life Credit Services is a ministry that strives to help others achieve their personal, spiritual, and financial goals.. Family Life Credit Services would like to help.. We encourage you to contact one of our credit counselors about your current situation.. How It Works.. Our counselors work extensively with you to evaluate your income, expenses, assets and debt.. Once the evaluation is complete, the counselor will put together a financial action plan for your debt relief that suits  ...   December 17 2012.. To Open a Joint Account or Not? Financial Advice for Couples.. Couples that are about to be married often deal with a difficult dilemma, do you merge your accounts into a joint checking account and joint savings account or do you keep your finances separate? This can be a difficult question.. Posted on December 10 2012.. Credit Card Use is on the Rise but Don’t Over-do It.. According to a recent study by TransUnion, the average credit card debt per borrower in the United States grew 4.. 9% to $4,996 in the July-September period from the same period a year earlier.. Credit card use is one the rise,.. Posted on December 03 2012.. Family Life Credit Services Presents “Budgeting 101” – A Free Webinar.. Budgeting is something that many people struggle with, especially around the holidays.. Family Life Credit Services is offering a free webinar, “Budgeting 101” on December 11 at 1 p.. m.. CST and 7 p.. CST to help.. Many people write budgets,.. Upcoming Events.. Title.. Time:.. 18:00.. Location:.. Downtown.. There are no events to display.. NOTE: Click on calendar date to view more info about Event.. Our Mission.. " To assist families in becoming financially debt-free and to spread the Gospel of our Lord Jesus Christ.. ".. How We Accomplish Our Mission.. Accountability.. Family Life Thrift Store.. © 2011 Family Life Credit Services.. All rights reserved..

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  • Title: About Us | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Webinar.. Sign up for FREE now!.. Budget Guide.. Download it for FREE.. Debt Survey.. Start here.. Prayer Request.. May we pray for you?.. About Us.. Who We Are.. We’re Family Life Credit Services, a nationwide nonprofit Christian Family Credit Counseling agency founded in 1986.. We incorporated as Family Life Services Inc.. , D.. B.. A.. Family Life Credit Services in 1989, located in West Fargo, North Dakota.. Our Christian credit counselors provide confidential biblical Christian debt counseling help for individuals and families who have found themselves in financial crisis.. We do this through analyzing their budget, discussing all options they have including self payment, debt consolidation program, bankruptcy, personal loans, etc.. We make no personal judgment about clients and the circumstances leading up to their current situation.. We are not a loan company, nor do we file bankruptcies.. We encourage you to go to the “Our Faith” section for a special message about the beliefs that drive us as a Christian faith-based service.. Principal Officers:.. Patricia Larson.. patricia@familylifecredit.. org.. Joe Larson.. joe@familylifecredit.. The Christian in Christian Financial Counseling.. We take our faith very seriously.. The organization was founded as ministry work and we uphold all the standards of Christian fellowship and affection for our fellow man.. This strong foundation of Christianity, we believe, gives us a moral perspective on what we do and how we help, while at the same time allowing us to pursue our calling to ministry work.. This is the reason we call ourselves Christian Financial Counselors while working in family credit counseling.. I became a believer in Jesus Christ in my mid 20’s.. My relationship with Jesus has brought me constant joy and hope.. The Bible says in the book of John that God loved the world so much that He sent His son, Jesus, to die on the cross for our sins.. This is the greatest thing that has ever happened.. Without Jesus Christ, man was destined to spend eternity separated from God.. If we put our trust in Christ, we cannot only receive His love and forgiveness, He says that we can have life and have it abundantly here on earth, but also have the assurance that when we die, we will go to Heaven to be with Him forever.. He loves us so much and desperately wants a personal relationship with each of us.. I encourage you to keep reading and discovering what Jesus has done and wants to do in your life today.. Patricia Larson — Family Life Credit Services President Co-Founder.. How We Began.. Darold and Patricia  ...   counseling from a Biblical perspective.. In 1990, it was incorporated as the nonprofit National Association of Christian Counselors dba Christian Counseling Center.. There were occasions when a Perry Center resident would have a legal problem or other persons would have a legal case and no money to hire an attorney.. In 1990, the Family Legal Clinic was incorporated as a non profit and began helping individuals and families with legal issues.. While working with clients in many of these areas, the Larsons would meet individuals and families that were struggling with debt and their finances, often considering bankruptcy as their only way out.. The Larsons began helping them, one at a time, set up a budget and get caught up in their bills – all without a loan, but by teaching them budgeting, showing them how to change their spending habits, and contacting their creditors to see if they would help by lowering the interest rates.. This counseling started under Help Caring Ministries in 1985.. Eventually, it was incorporated independently in 1989 as a non profit and was named Family Life Services Inc.. , dba Family Life Credit Services.. FLCS Code of Ethics.. In interacting with clients, creditors, suppliers, and all others connected to the FLCS mission, we will follow the Golden Rule, treating others as we wish to be treated.. “Love thy neighbor as thyself.. ”.. Certified Counselors.. All of our counselors are certified through an independent agency and are required to complete 20 continuing education hours every 2 years.. Our counselors are highly compassionate and understand that during life’s journey, we often travel through rough patches.. Although some of the rough patches are self-inflicted, other circumstances are completely out of our control.. Many of our counselors have been in your shoes before and know what it’s like to have creditors calling.. Through their experiences and education, you can be sure they will listen and do what they can to offer assistance, relief, and direction.. Mission.. To assist families in becoming financially debt-free and to spread the Gospel of our Lord Jesus Christ.. More mission.. Family Life Services, Inc.. dba Family Life Credit Services is a 501(c)(3) nonprofit organization.. We are accredited by the Council on Accreditation (COA), which demonstrates our commitment to organizational excellence and quality service delivery for all persons served.. More accountability.. Family Life Credit Services DBAs.. Family Life Credit Services does business under the following names:.. Family Life Credit Services.. (ND Only).. CreditWise (ND/MN Only).. Confused or overwhelmed?.. Let us guide you.. Call 1-800-747-9307.. Get Help Now!.. Counseling.. is only available in..

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  • Title: Blog | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Blog.. Older posts.. Posted on November 29 2012.. Keep Christmas Spending in Check and Remember the Reason for the Season.. It’s that time of year again! Christmas is almost here, and oh, the joy that comes with this time.. We eat too much, spend too much, sleep too little, and see way too much/little of our relatives.. Then January comes.. Posted on November 28 2012.. 10 Tips to Have a Debt-Free, Happy Holiday.. Holiday season is full of celebrations, gift giving and spending.. For many it can be a season of over-spending resulting in a new year with even more debt.. Here are 10 tips that can help you reduce the amount you.. Posted on November 26 2012.. Managing Debt: Which Bills Do You Pay First?.. What do you do when your bills begin piling up, and payday is still a  ...   job-finding success depends 70% on job-hunting skills and only 30% on your background ability.. While you can’t change the product, you can always sharpen your marketing skills.. Not.. Posted on November 16 2012.. How to Save Money This Holiday Season A Free Webinar.. Christmas can ruin the most well-planned, thought-out budget, even with the best intentions.. Learn how to spend less without scrimping on the holidays from gift-giving to holiday parties to decorating and family events.. It IS possible to have a.. Posted on November 13 2012.. Save Money on Christmas Shopping: How to Get the Most Out of Black Friday Sales.. Sometimes people let spending get out of control during the holiday season, but it is important to remember to stick to your budget.. One way to help find the best deals and avoid overspending this Christmas season is to brave..

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  • Title: Contact Us | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Contact Us.. Do you want to be in control of your finances? Would you like more information on CreditWise or our Homebuyer Education program? Please contact us and let us know your situation.. View our.. privacy policy.. Street Address.. :.. 2345 Meadow Ridge Parkway.. West Fargo, ND 58078.. Mailing Address.. P.. O.. Box 720.. Local Phone: (701) 237-9247.. Toll-Free: (800) 747-9307.. Fax:  ...   assured that our staff regularly prays for all requests.. Leave your email address if you would like us to reply.. Remember, your privacy is of the utmost importance to us, and we will not share your information with anyone outside Family Life Credit Services except as required by law.. Your Email*.. Prayer Request*.. Comments? Suggestions?.. Your Name*.. Your Email Address*.. Subject*.. Message*..

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  • Title: Prayer Request | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Prayer Request.. Be assured that our staff regularly prays for the requests.. Remember your privacy is of the utmost importance to us and we will not share your information with anyone outside Family Life Credit Services..

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  • Title: Credit Counseling | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Credit Counseling.. What is It?.. Credit Counseling is the process of meeting with a Certified Financial Counselor to examine, evaluate, and address challenges within your current financial situation.. This is an interactive session where the counselor and the client work together to set goals while also finding solutions to financial barriers.. During a routine Credit Counseling session, the counselor will go through the client’s income, expenses, assets, and liabilities, and will develop a detailed monthly budget.. Counselors use the Credit Counseling process as an opportunity to educate each client on how to negotiate directly with creditors, change personal spending habits, and develop strategies for saving money.. Counselors also have the ability to offer a debt management program to those that would benefit.. The counselor will thoroughly discuss advantages and challenges of all options, including personal loans, bankruptcy, debt management programs, and self-administered payment plans.. Counselors will also discuss client rights, public and non-profit resources that can offer assistance, and applicable laws and regulations.. The entire Credit Counseling process will focus on you and your specific situation.. Don’t let the thought of this process overwhelm you, though.. At the conclusion of a credit counseling session, you and your counselor will have developed a Personal Action Plan that will provide you with a detailed plan of attack for moving forward.. More common Credit Counseling questions.. Process.. CONTACT US.. Contact a credit counselor by filling out an application on the right side of this page or by calling (800)747-9307 to speak to a certified credit counselor or to set up an appointment.. CONNECT WITH YOUR COUNSELOR.. You don’t need to be worried about being shuffled from person to person, because you will be assigned one counselor throughout the entire counseling process.. You will be able to call and ask for your personal credit counselor at any time during business hours.. GET ORGANIZED.. Your personal credit counselor will ask you to gather specific information for your initial counseling session, such as credit card statements, values/balances of assets and liabilities, and a general idea of your monthly income sources and spending habits.. This will help in the counseling process as you discuss your current situation, including the issues you are facing and your goals and objectives for your finances.. DEVELOP YOUR BUDGET.. Using the information you provide, your credit counselor will help you to develop a thorough monthly budget that will help you reach the goals you’ve identified and will put together an accurate picture of your debts and assets.. TAKE ACTION!.. Your credit counselor will provide you with a Personal Action Plan to address the issues you are facing and the personal goals and objectives you’ve identified.. They will assist you as you determine the best available option based on your situation.. This plan may include changes and activities you can do on your own, or it may direct you to outside resources that would be of help to you.. In some cases, your credit counselor may recommend using a Debt Management Program, which Family Life Credit Services (FLCS) would be able to provide depending on your situation.. Top 10 reasons someone might need credit counseling.. You don’t know where your money is going every month.. You are beginning to fall behind on your payments.. You can’t seem to make any progress toward paying off your debt.. You can’t get a loan because your credit isn’t good enough.. Creditors are calling, and you don’t know where to turn.. You lost your job, or are about to lose your job, and you want to be financially ready.. Credit card debt is out of control, and you don’t know how it will ever get paid off.. You want to buy  ...   program will not save you money or shorten the time needed to pay your debts, we may suggest you look at other alternatives that would be a better fit.. Bank Loans.. Your credit counselor may recommend that you research your eligibility for a bank loan – secured or unsecured – if that would be a beneficial option for you.. With a bank loan, the bank would actually lend you the money to pay off your current debt(s) so that you owe only one creditor (the bank), with one monthly payment at a fixed interest rate and fixed payoff term.. Self-Pay Programs.. In many cases, a self-pay program will be your best solution.. In this scenario, your credit counselor will help you set up a written plan to pay off your debt(s) on your own.. It will include specific instructions on monthly payment amounts, what to do when each account is paid off, and an estimated time of payoff.. Bankruptcy.. Although bankruptcy is usually a last resort, sometimes this can be the only option available.. If this is the case, your credit counselor will encourage you to seek legal advice concerning your finances and available options.. Importance of Financial Education.. Regardless of your situation, financial education is a vital tool to help you reach your goals and objectives.. Family Life Credit Services offers financial education on subjects ranging from basic budgeting to building and rebuilding your credit.. We currently offer 4 different education courses: Money and Faith in Motion©, Money in Motion©, CreditWise, and Credit When Credit Is Due©.. Everyone that enrolls in the Debt Management Program is required to complete either the Money in Motion© or Money and Faith in Motion© course, and we have seen dramatically increased success in completing the Debt Management Program for those that have taken the course.. These courses are also available for those not enrolling in the Debt Management Program for a small fee.. We offer the CreditWise program in area high schools, universities, and job service centers, and we also offer the Credit When Credit Is Due© program in area homeless shelters and halfway houses.. We’ve recently begun offering monthly Brown-Bag Lunch Financial Education Webinars which are open to our clients and the public at no charge.. More financial education.. Personal Action Plan.. Once you complete your credit counseling session, your credit counselor will provide a Personal Action Plan for you that will detail the steps you will need to take to move forward with your goals.. This Personal Action Plan will also include the issues you are having, your short-term and long-term goals and objectives, and other possible resources that may be available to you.. Clients find Personal Action Plans to be very helpful in their quest to become financially free.. Sample Action Plan/Goals.. Challenges:.. Out of Control Spending.. Job Loss.. Overextended.. Bad Credit.. Goals:.. Reduce Monthly Expenses.. Save for Retirement.. Develop Better Money Management Skills.. Buy a House.. Possible Action Steps:.. Begin tracking expenses.. Begin a Debt Management Program.. Research a bank loan.. Seek legal advice.. *Each Action Plan is uniquely tailored to the specific client and their situation.. These are strictly examples of possibilities a client and counselor could cover.. What Our Clients are Saying About Us:.. FLCS was always friendly and very helpful.. They were also up front about what would probably happen if I missed payments to my creditors.. This way I knew right where I stood in the beginning.. Having all the facts before making a commitment to the program, made the decision to start this program so much easier.. There were no surprises along the way to being debt free.. Texas.. Read the.. Rights Responsibilities.. shared by all of our clients..

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  • Title: Debt Management | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Debt Management.. What is it?.. A Debt Management Program (DMP) is a debt repayment program that is not a loan.. A DMP allows you to consolidate all your unsecured, revolving debt (such as credit cards, hospital, clinic, dental bills, store cards, personal loans, etc.. This consolidated monthly payment is made to a third-party credit counseling agency, which negotiates repayment plans with the creditors in order to pay the debt in full over a shorter period of time.. Each month, the agency disburses payments to each of your creditors in order to satisfy the agreed-upon terms.. The common benefits of a DMP include reduced interest rates, reduced monthly payments and reduced timeframe for payoff.. The goal of a DMP is to increase the amount of your payment going to principal rather than interest, ultimately resulting in a reduction in the payoff time period and the amount of money spent on interest.. Family Life Credit Services (FLCS) has the ability to offer Debt Management Programs to consumers that would benefit from such a program.. Once you have enrolled on a Debt Management Program, you are then responsible to make a regular monthly payment to the credit counseling agency.. The agency then disburses your payment directly to each creditor on a specific day each month based on the agreed-upon terms.. As individual creditor accounts are paid off during the program, the total monthly payment amount made to the agency will remain the same, and the difference will be added to the monthly payment amount being disbursed to the creditor with the next highest interest rate, thereby paying off that account even faster (and so on).. This is often referred to as the “Snowball Effect.. ” This process continues until all accounts are paid in full.. The average length of a Debt Management Program is 3 to 5 years.. While enrolled on a DMP, you are not able to apply for or take out any additional credit.. More common questions about Debt Management.. The Process.. Contact a credit counselor by filling out an application (Link to application page) or by calling (800)747-9307 to speak to a certified credit counselor or to set up an appointment.. GETTING STARTED.. Once you have determined that a Debt Management Program is right for you, your personal financial counselor will work  ...   were before you were enrolled on the Debt Management Program.. If dropped from the program, some creditors may not allow you back on for 1 to 5 years.. STAY INFORMED.. You must monitor your monthly statements and communications from both your creditors and FLCS.. It is important that you review each statement you receive from your creditors and FLCS to be sure all your DMP benefits are being applied to your account.. FLCS does not receive monthly statements from your creditors.. It is your responsibility to open your statements each month and report to FLCS anything that does not look accurate.. FLCS will handle any concerns you may have with your creditors and will contact them on your behalf.. STAY CONNECTED.. Stay connected with FLCS through ongoing education opportunities, newsletters, and courtesy calls.. Should you encounter life-changing events during your program, you should always keep your counselor informed.. As you pay off your last creditor, you will be issued a certificate of completion and big congratulations!.. Top 5 Reasons you might need debt management.. Having difficulty making minimum payments.. Making minimum payments, but balances are not going down due to high interest rates.. Wanting to reduce/consolidate payments.. Over-limit and late fees will not stop.. Looking for a focused strategy to pay down debt.. Client Handbook.. Each client enrolling on a Debt Management Program will be given the FLCS Client Handbook.. This handbook lays out in detail how our program works and outlines your rights and responsibilities.. Download a copy of the FLCS Client Handbook.. The Role of Mandatory Education.. View all our Education Resources.. We want you to succeed, both while on a DMP and into the future.. View Available States Disclosures.. Medical Bills.. Poor Money Management.. Past Due with Creditors.. High Debt Load.. Become Debt Free.. Become Current.. Begin Tithing.. Live within Budget.. Eliminate or reduce specific expense(s).. Begin Tracking Expenses.. Contact specific resource(s) in your community.. Begin a savings plan.. They Helped me lower my percentage rates and consolidate my cards into one monthly payment.. They also gave me hope for paying those debts off.. Before meeting with them I was struggling to make the minimum payments on each card.. I believe it only took me about four years to get close to $20,000 paid off.. -J from Texas.. Testimonial..

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  • Title: Housing Counseling | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Housing Counseling.. People often ask “What is Housing Counseling?” and “Why do I need it?” Purchasing a home is one of the largest financial decisions that you will ever make, and Housing Counseling and Education can assist you in making the best possible choice.. We recommend Housing Counseling and Education to anyone that has not purchased a home in the past three years.. During the Housing Counseling process, Clients considering the possibility of purchasing a home will be counseled by one of our certified homebuyer education counselors.. Our counselors work with each client to establish a working budget while assessing the client’s debt load and possible obstacles.. Some of the obstacles may include debt load, debt to income ratios, credit issues, employment history, and available savings.. Each counselor will work to build a personal action plan that will assist the client in his/her financial goals.. The action plan can include ways to pay down debt, options to clean up a credit report, ways to save money, programs for down payment and closing cost assistance, public and non-profit resources that can offer assistance, and applicable laws and regulations which include client rights.. Certified By:.. City of Fargo.. City of Moorhead.. North Dakota Housing Finance Agency.. Minnesota Home Ownership Center.. We offer free First-Time Homebuyer Education workshops which utilize the Home Stretch Curriculum (developed by the Minnesota Homeownership Center).. The program, offered monthly, is an eight-hour workshop held over two evenings, followed by a one-on-one Housing Counseling session with one of our certified homebuyer education counselors.. During the workshop, area professionals in the housing industry present on their areas of expertise, with topics including: Finding a Realtor, Homeowners Insurance, Finding the Right Mortgage and Home Inspections.. By developing these kinds of partnerships, our program becomes more and more relevant to the unreached audiences we are trying to educate and empower.. Additional topics covered include: Is Homeownership Right For You?, Money Management, Financing a Home, Qualifying for  ...   Your counselor will act as a neutral party to help determine a realistic purchase price for your budget, address potential credit obstacles, review credit reports, review difficult documents, and help to set achievable short and long-term goals.. Your housing counselor wants to see you succeed!.. More common questions about Housing Counseling.. REGISTER.. Register for a free Homebuyer Education workshop by calling (701)237-9247.. ATTEND WORKSHOP.. Complete both evenings of the workshop.. MAKE AN APPOINTMENT.. Make an appointment with a Housing Counselor by calling (701)237-9247.. COUNSELING.. Attend the one-on-one Housing Counseling session.. Your counselor will provide you with a Personal Action Plan to help you achieve your goal of homeownership.. Once you have completed the workshop and the counseling session, your counselor will issue you a Certificate of Completion.. Depending upon your situation, this certificate may entitle you to down payment or closing cost assistance from your local government.. Top 10 Reasons for Housing Counseling and Education.. You’re not sure where to start in the home buying process.. You haven’t purchased a home or land within 3 years.. You want to feel better-equipped through the process.. You want to find ways to save thousands of dollars over the course of homeownership.. You’re not sure if now is the best time for you to buy.. You want to increase your understanding of the variety of different topics included in the home buying process.. You want to qualify for the different incentives First-Time Homebuyers can obtain for completing the course.. You want to get unbiased information from area housing professionals who will answer all of your questions and concerns.. Over 70% of people who take the First-Time Homebuyers Course diminish their risk of foreclosure happening in their lifetime.. They are excellent money management tools that will help increase your awareness on how to handle your entire financial situation.. Divorce/Separation.. Purchase home in 6 months.. Save $2000.. Improve Credit.. Begin tracking Expenses.. Begin a Savings Plan.. Research different mortgages..

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  • Title: Pre-Filing Bankruptcy Counseling | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Pre-Filing Bankruptcy Counseling.. We are happy you chose Family Life Services, Inc.. dba Family Life Credit Services to begin your pre-filing bankruptcy counseling session using.. Counseling in Motion BK Edition.. (developed by the American Center for Credit Education (ACCE)).. Our counselors are here to listen, answer your personal questions, and provide valuable information you need during this process.. What is Pre-Filing Bankruptcy Counseling?.. Prior to filing for personal bankruptcy, individuals are required to complete a pre-filing bankruptcy counseling session.. This provision of federal bankruptcy law ensures that individuals understand all of their options and that they have the necessary knowledge and tools to develop a sound financial plan for the future.. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, which took effect on October 17, 2005, mandates that individuals filing for bankruptcy must undergo counseling prior to filing bankruptcy and a financial education course prior to the discharge of debts.. has applied for approval* by the Executive Office for US Trustees (EOUST) to provide pre-bankruptcy counseling in North Dakota, South Dakota and Minnesota.. *Approved to issue certificates in compliance with the Bankruptcy Code.. Approval does not indicate EOUST endorsement or assure the quality of agency s services.. Online Pre-Filing Bankruptcy Counseling.. An online pre-filing bankruptcy counseling session is approximately 90 minutes in length.. Online sessions utilize.. Counseling in Motion BK Edition.. , developed by the American Center for Credit Education(ACCE), and will include an overview of the bankruptcy process; possible alternatives to bankruptcy, including their advantages and disadvantages; and a personalized budget analysis and action  ...   you to gather specific information for your counseling session, such as creditor statements, values/balances of assets and liabilities, and a general idea of your monthly income sources and spending habits.. Interact With Your Counselor.. During the online process you will have the opportunity to ask as many questions as you need.. Your counselor will have the ability to interact via phone or email.. Rest assured, your questions will get answered.. Take Action.. During your interaction with your counselor, he or she will provide you with an Action Plan to address the issues you are facing and the personal goals and objectives you’ve identified.. They will assist you as you determine your options based on your situation.. Print Your Certificate.. Once you have interacted with your counselor and completed the online counseling session, you will be issued your Pre-Filing Bankruptcy Counseling Completion Certificate within one business day.. Fee Schedule.. Pre-Filing Bankruptcy Credit Counseling Session (Individual/Joint): $40.. 00.. Fee includes all aspects of the counseling session, including the certificate.. Fee does not increase for Joint counseling sessions.. Payable by cash, money order, or a debit card (VISA/MasterCard).. Fee Waivers/Reductions:.. In some circumstances, you may be eligible to have this fee waived or reduced based on your ability to pay.. We will not deny service due to an inability to pay.. The fee is waived with proof that your income is below the poverty level according to current US Census figures.. Fees may also be reduced or waived at counselor’s discretion if client demonstrates a significant hardship or inability to pay..

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  • Title: Education & Resources | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Education Resources.. Overview.. These courses are also available in online, workbook, or classroom format for those not enrolling in the Debt Management Program for a small fee.. We also offer free First-Time Homebuyer Education workshops which utilize the Home Stretch Curriculum (developed by the Minnesota Homeownership Center).. For more information on Housing Counseling and Education,.. click here.. Event Calendar.. We have a variety of educational opportunities available each month.. Some events are scheduled several weeks in advance, while other events are scheduled a few days before they are conducted.. Please check the calendar often to see if one of our financial education workshops or webinars fits your schedule.. To enroll in a workshop, please call toll-free (800)747-9307.. For those living in the Fargo-Moorhead area, call (701)237-9247.. Some events are private and not open to the public.. If you would like to schedule an educator to present a workshop at your location, please call (701)237-9247 ext.. 101 or.. email.. To register for any of the Brown-Bag Lunch Financial Education Webinars, click here.. Tools and Resources.. PDFs.. How to Find a Better Job.. Family Budgeting Guide.. Budget Worksheet.. Check Register Template.. Weekly Menu Planner Template.. KIDS MONEY Kids Chore Chart.. KIDS MONEY Kids Chore Chart Instructions.. KIDS MONEY Give ~ Save ~ Spend Labels.. KIDS MONEY Give ~ Save ~ Spend Instructions.. Financial Calculators.. View financial calculators.. We provide tools  ...   of Family Life Services, Inc.. Family Life Services has been offering faith-based financial education, resources, and counseling in the Fargo-Moorhead area since 1986.. General Family Counseling.. Click Here for a Christian Counseling Directory.. Connections.. Most communities have resources available to assist people during challenging times.. Often times these resources may be difficult to locate unless you know where to look.. Our counselors are equipped to track down resources you may need within your community.. Call us and let our counselors link you up with the help or resources you may need.. More connections.. Budget Counseling.. Our budget counseling will assist you in your quest to have a balanced monthly budget.. Our counselors will work extensively with you in order to pinpoint where your money is going each month and suggest ways to reduce expenses.. We will help to set financial goals and provide a personal action plan focused on your family’s goals.. Budget counseling can be as simple as determining when certain bills should be paid and as extensive as creating a personal pay-off plan.. Counselors will provide recommended averages you should consider when setting up a family budget.. To set up a Budget Counseling session call 1-800-747-9307.. Pre-Filing Bankruptcy Counseling.. has applied for approval* by the Executive Office for US Trustees (EOUST) to provide pre-filing bankruptcy counseling in North Dakota, South Dakota and Minnesota.. More Pre-Filing Bankruptcy Counseling..

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  • Title: Available States and Disclosures | FLCS - Christian Credit Counseling Services, Credit and Debt Counselors
    Descriptive info: Available States and Disclosures.. We offer debt management services to residents of the following states:.. Alabama.. Alaska.. Arizona.. Arkansas.. California.. Colorado.. District of Columbia.. Florida.. Georgia.. Hawaii.. Illinois.. Indiana.. Louisiana.. Massachusetts.. Minnesota.. Missouri.. Nebraska.. New Mexico.. North Carolina.. North Dakota.. Ohio.. Oklahoma.. South Dakota.. Tennessee.. Virginia.. Washington.. Wisconsin.. Wyoming.. ____________________________________________________________.. Family Life Credit Services is committed to maintaining compliance with all applicable state and federal laws.. Some states require that we provide specific disclosures on our website.. The below disclosures are made available in accordance with these state laws and regulations.. Alabama residents:.. dba Family Life Credit Services is licensed by the Alabama Securities Commission under the Sale of Checks Act (License Number SC 428).. Arizona residents:.. dba Family Life Credit Services is licensed by the Arizona Department of Financial Institutions as a Debt Management Company (License Number DM-0908577).. dba Family Life Credit Services is NOT A LOAN COMPANY.. California residents:.. dba Family Life Credit Services is registered as a nonprofit community service organization with the State of California and complies with the provisions of the Check Sellers, Bill Payers, and Proraters Law as applicable.. Colorado residents:.. dba Family Life Credit Services is registered  ...   not lend money.. Indiana residents:.. dba Family Life Credit Services is licensed by the Indiana Division of Consumer Credit as a Budget Service Company (License Number 10302).. Minnesota residents:.. dba Family Life Credit Services is licensed by the Minnesota Department of Commerce as a Debt Management Company (License Number DM 22).. Nebraska residents:.. dba Family Life Credit Services is licensed by the State of Nebraska as a Debt Management Provider.. Tennessee residents:.. dba Family Life Credit Services is registered with the Tennessee Division of Consumer Affairs as a Debt Management Services Provider (Registration Number 0025).. Texas residents:.. dba Family Life Credit Services is registered with the Texas Office of Consumer Credit Commissioner as a Debt Management Services Provider (Registration Number DM06-10006).. Virginia residents:.. dba Family Life Credit Services is licensed by the Virginia Bureau of Financial Institutions as a Credit Counseling Agency (License Number DC-60).. Wisconsin residents:.. dba Family Life Credit Services is licensed by the Wisconsin Department of Financial Institutions as an Adjustment Service Company (License Number 111).. Thank you for all you have done.. Your staff has helped me in a time when I felt I would be in debt forever.. Hurst, TX..

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