January 9, 2015

Financial Counseling

FINANCIAL COUNSELING/SANDY COUNSELING SERVICES

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Our counseling sessions include a detailed credit counseling financial work-up comparing (income to expenses) to determine the deficit between the two entities. After making this comparison on a computer print-out, we explain how to effectively create an affordable household budget and develop a plan of action to reduce and consolidate household debts as well as to explore ways to increase income. More and more area homeowners and coop owners as well as out of area residents are seeking ways to reduce their monthly home and family expenses. They also want to know the consequences of their indebtedness and how it affects their future borrowing credit. The impact of our financial education allows residents to remain in their homes, relieves their anxiety about paying their high mortgage and monthly expenses and creates a realistic family budget.

We also resolve insurance claims (Private or FEMA) Discussing “Build It Back” options guiding homeowners throughout steps needed to complete home restoration review scope of work, documents, costs of restoration funds received, how funds were spent, and how much money is still needed for unmet repairs apply for loans and grants.

Senior Financial Counseling

We offer education and counseling to seniors to enable them to evaluate their current financial situation and devise ways to reach financial security. Specific assistance includes, money management, assistance with public entitlements to reduce housing costs, medical insurance, community resources and estate management.