Budget & Credit Counseling Programs

Budget and Credit Counseling


Financial problems can affect relationships, jobs, emotional well-being and physical health. Financial Counselors at Horizons:

  • Listen to individual needs and concerns.
  • Provide an honest and accurate assessment of the financial situation.
  • Help clients identify individual goals and priorities.
  • Work with clients to develop a plan to meet goals.
  • Support you along the way.

Budget and Credit Counseling

Whether you need a budget, a spending and savings plan or someone to manage your debts our Certified Consumer Credit Counselors will help. Budget and Credit Counseling Services are available in-person, by telephone or online. Contact us today for more information or to schedule an appointment.

Debt Management

Through the Debt Management program, we negotiate a repayment plan with your creditors that fits your budget. Then, instead of you making payments to each of your creditors, you make one payment to Horizons Financial Wellness Center and we disburse the money for you.  

Online Counseling

Horizons Financial Wellness Center offers easy and secure online counseling. To ensure that the process goes smoothly, have the following information available when you begin:

  • Pay stubs or other income information
  • Bills you pay – mortgages, utilities, insurance, etc.
  • Loan payment books or statements, credit card statements, statements from others you owe money to (hospitals, doctors, etc)
  • Estimates on your living expenses – food, gas, entertainment, clothing, etc.
  • Any other information you believe would be helpful for us to know

Please be assured that your information is secure. There is no obligation or cost to submit an application.

Rapid Response Counselor

Have a question about budgeting, credit reports, collection agencies or want to know more about our services, or schedule an appointment? Email our Rapid Response Counselor. In most cases you will have an answer in about an hour, but for sure by the end of the next business day.

Privacy Policy

Our agency is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations.