Houston Financial Empowerment Centers

Services - Debt

Debt IconFinancial counselors can work with you to create a financial plan to meet your goals. Based on your individual situation, counselors can help you:

  • Learn how to manage debt wisely
  • Prioritize debt repayment
  • Create a plan to pay off accounts with payday lenders, auto title loans, and pawn shops
  • Review your credit report to identify current debt
  • Send verification letters to confirm ownership of past debt
  • Negotiate with creditors seeking payment for accounts in collection
  • Create a plan to pay down debt
  • Negotiate with lenders to prevent foreclosure
  • Develop a plan to pay student loans
  • Create steps to plan for wage garnishments
  • Debt Services Flyer (.pdf)
  • Debt Services Flyer - Spanish (.pdf)

Counselors can also provide referrals to other community resources to help meet any needs you may have.