WHO NEEDS FINANCIAL COUNSELING?
Virtually anyone who has money problems is a candidate for financial counseling at ICCS. You could be an employee, a self-employed entrepreneur or a professionals.  The amount of money you earn is not the issue.  It is possible to have a large income and still be in financial crisis.  ICCS will make a careful analysis of your particular situation and provide appropriate recommendations so you can examine the options yourself and decide how you want to proceed.

CAN I AFFORD FINANCIAL COUNSELING?
There is no charge for the first consultation. ICCS will provide the initial evaluation and even a household budget without charge to you.  If you decide to enter one of our programs, only then will a small fee be charged which is based on a sliding scale that considers your ability to pay.  Since ICCS is a non-profit corporation, the objective of the ministry is to provide a community service while covering our basic operating costs.  You are the beneficiary of this low cost approach to Christian Ministry.

DO YOU NEED FINANCIAL COUNSELING?
Take a moment to evaluate your financial situation...

• Not saving on a regular basis.
• Can't qualify for a mortgage to buy a house.
• Detrimental errors on your credit report.
• You do not have a budget.
• Most of your income goes to pay monthly bills.
• Using credit cards and loans to pay for food, utilities, insurance, entertainment, etc.
• Borrowing money to pay bills.
• Not paying bills on time.
• Receiving calls at work or home from creditors demanding payments.
• Receiving papers from court to appear for non-payment of bills.
• Writing NSF checks to pay bills before payday.
• Stress in family relationships when bills are discussed.
• Contemplating bankruptcy or leaving the area to try to get a new start.

If you can check any of the above, you should make an appointment with one of our financial counselors to obtain a free evaluation.