When you just can’t seem to get out from under your bills and your family’s future is becoming harder to focus on, it’s easy to feel overwhelmed and a little lost. You aren’t. It’s actually the first step to tackling your money issues. While a call to consumer Credit Counseling Service, an NFCC® member agency, is an important step to solving money problems, the first step is actually facing the fact that you need help, and it’s the hardest. But, once you make the call, we can help put you on the right path to resolving your situation. It’s a situation we understand well. In fact, NFCC and The Ohio State University worked together to survey participants in NFCC’s Sharpen Your Financial Focus™ program we offer. Data from this program found that the type of counselling we provide helped reduce revolving debt levels, specifically for wage-earning mothers, by nearly 49.5% from precounseling levels within a year. How we help and the results you realize depend on you and what you need. HOW WE CAN HELP • Consolidate bills into one smaller payment. • Pay off your debt faster. • Improve your money habits. • Lower interest rates regardless of credit score. • Stop collection calls. • Eliminate late fees and over-limit charges. Helping women, especially those who are the primary breadwinner for their household and have found themselves in tough financial situations, is what we do. If that’s you, you owe it to yourself. Make the call.