CONSUMER CREDIT COUNSELINGBuilding stability by providing debt management and credit

counseling

impact

FAMILY STRENGTHENING SERVICES

helping families cope with crisis and �nd lasting stability

giving hope to victims of domestic violence and rapesecuring personal �nancial freedom

restoring and rebuilding family

relationships to empower youth

CRISIS SERVICES

YOUTH SERVICES

ELDER SERVICES

CONSUMER CREDIT COUNSELING

reclaiming independence anddignity for our elders

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Partnership for Families, Children and Adults is a non pro�t organization that provides the tools and resources for families in our community to build better lives.

Partnership reaches a diverse range of families and individuals through �ve Centers of Service. Each of these Centers focuses on the unique needs and is

sta�ed by experienced social workers, counselors and other trained professionals. Together, these separate but complimentary Centers of Service provide support to

famillies and individuals who may have many related needs.

pa rt n e rs h i p p r o g r a m s

the entire circle of life

Consumer credit cOUNSELINGConsumer credit cOUNSELING

BUILDS BUILDS STABILITYSTABILITY

partnership'spartnership's

STABILITY

SECURITY

INDEPENDENCE

consumer credit counseling

THE TOOLS TO REMAIN

When families are struggling with debt, stress is high, a�ecting all areas of life.

Individuals unable to manage debt can be less productive at work and even experience health

problems due to increasing stress. The Partnership’s Consumer Credit Counseling Service

helps individuals learn money management skills and budgeting plans to help regain control

of personal �nances. CCCS is the only face-to-face nonpro�t credit counseling center

in the Tennessee Valley; certi�ed counselors take an in-depth look at personal �nancial

situations, assisting clients with the formulation of customized solutions to

meet individual needs.

The counselors at Partnership’s Consumer Credit Counseling bene�t families, creditors and employers. Individuals learn budget planning, acquire money management

skills and receive con�dential credit counseling. Counselors also provide long term voluntary debt management plans. Creditors receive regular payments from customers, reduce losses

from uncollected consumer debt and eliminate collection costs. Employers bene�t from a reduction in garnishments, educational programs for employees and

improved employee production.

GIVES FAMILIES

INDEPENDENTIN THEIR OWN HOMES

PARTNERSHIP

meet

SAMANTHAmeet

partnership BUILDS

SAMANTHA

With over $20,000 of credit card debt, Samantha needed help. Stress was consuming her life and a�ecting work, family life and health. Overwhelmed by her �ve credit cards, she needed help from an agency that wouldn’t charge her more than she was already paying. Samantha reached out to Partnership’s Consumer Credit Counseling. Her counselor recommended the Debt Management Plan, a program that would allow Samantha to reduce her interest rates and minimum payments so that she could pay o� her debt within �ve years. Samantha started the program and only four years later, she paid o� her last credit card, eliminating a total of $24,844.79 of debt.

Upon completing the DMP, Samantha remarked “I was desperate to get some kind of help. I had gotten over my head in credit card debt by helping my kids pay bills. CCCS helped me get on a reasonable payment plan where I could help myself get back on my feet and gain my self-respect back. My counselor was kind, not demeaning, and showed me what I could do to straighten my self-made mess out. I learned a valuable lesson and feel better about myself in getting help in this serious matter.”

INDEPENDENCE.

pre-purchase home ownership education covering: Budgeting

and Credit, Obtaining a Mortgage Loan, Shopping for a Home

and Protecting Your Investment.

explain your credit report and provide customized advice for

how you can build credit based on your current situation.

CCCS providescreate spending plans, as well as

develop the money management

skills necessary to implement

a successful budget.

Certi�ed counselors help

Counselors provide A Debt Management Plan (DMP),

a program designed to help pay

o� overwhelming credit card

debt within 60 months.

Counselors help

Partnership’s Consumer Credit Counseling Services helped 4,374 individuals with budget management, credit counseling and debt relief.LAST YEAR,

did you know?