"Building a Strong Financial Future" Building a Strong Financial Future is a presentation that helps listeners understand how they can 1. Create an outlook for their finances that will create motivation and discipline, 2. Develop specific, attainable financial goals that fit with their values, 3. Develop the necessary tools for maintaining a simple and effective spending plan, and 4. Create a plan for building a strong financial future!
"Credit Reports, Scores, and all that Fun Stuff!" The topic of credit can be daunting when you consider everything involved. With so many changes and regulations, it's difficult in this day and age to have a solid grasp of things such as credit scores, credit reports, and what is considered to be good credit. Through Credit Reports, Scores, and all that Fun Stuff consumers learn how to order their credit report, how to read their credit report, how to dispute and correct inaccurate credit reporting information, how to repair and rebuild damaged credit, and strategies for debt management.
"Defeating Your Debt" It's estimated that the average American household owes almost $10,000 in credit card debt alone, representing minimum payments of almost $400 a month. Covering strategies for negotiating interest rates, negotiating settlements, and developing repayment plans, this class empowers consumers to take charge of their debt and work towards a debt-free lifestyle.
"Winning Scores!" Credit scoring is a subject that has grown exponentially over the past several years. Traditionally, consumers have only been made aware of FICO scores – used originally by mortgage lenders. Today, there are over 100 different types of credit scores in the market with their own take on the credit scoring model. Learn about current trends, the factors that affect scores, the do's and don'ts of credit scores, and how to obtain and understand a credit score.
"Protecting Your Personal Information" Identity theft is one of the most pervasive crimes in our nation. It impacts individuals from all walks of life and is typically carried out by a person that is known to the victim. Criminals are continually developing new ways of farming sensitive personal information to carry out their crimes. In this ever-changing landscape of electronic transactions and information sharing technology, it's vital that we continually learn what measures we need to take to remain safe. This class lays the groundwork for what we need to do to combat identity thieves.
"Dealing With Debt Collectors" When it comes to dealing with debt collectors, many consumers feel lost not knowing where to begin. This class is the perfect way to gain the knowledge and confidence needed to tackle old collection debts with skill and ease. The class covers what collectors can and cannot do, how debt collectors get paid, options for responding to a debt collector, record keeping, enlisting the help of an attorney, and options when a debt collector violates the law.
"Personal Financial Management Instructional Course for Debtors" (Debtor Education) Approved in the four judicial districts of New York State, this two-hour class satisfies all of the pre-discharge debtor education requirements of the new bankruptcy law. The content of this course covers budgeting development, money management, wise use of credit, and consumer information.