Christian Consumer Credit Counseling

At Family Life Credit Services, through Christian financial counseling, we want to help lighten your load so you can concentrate on the more important things in life.

• Do you spend your days trying to figure out how you are going to make the next payment to your creditor?

• Do you lie awake at night wondering how you will buy groceries for your family?

• Are you experiencing the feeling of hopelessness and embarrassment due to your financial situation?

• Have you tried to talk to friends and family about your situation but you are unsure if the advice you are getting is best suited for you?

Whether you have questions about setting up a budget or questions about your debt load, we can help. Family Life Credit Services is a Christian ministry that has been assisting families and individuals since 1986. We have assisted thousands of people in the process of achieving personal, spiritual, and financial goals.

Family Life Credit Services would like to help. We would encourage you to contact one of our financial counselors about your current situation. They will work extensively with you to evaluate your income, expenses, assets and debt. Once the evaluation is complete the counselor will put together a financial action plan to suit your personal situation.

Family Life Credit Services Statement of Rights and Responsibilities

Rights

Each client or potential client of Family Life Credit Services (“FLCS”) is entitled to:

• a thorough budget analysis based on their financial situation.

• complete freedom in accepting or declining services, including the right to cancel the contract upon notice.

• budget counseling in person, and by telephone, mail, fax or internet as appropriate.

• be treated with courtesy and helpfulness at all times.

• receive recommendations and guidance that enhance the client’s financial and spiritual well-being.

• express dissatisfaction with any aspect of the program and receive an appropriate response.

• timely deposit and disbursement of payments.

• documentation by FLCS in the client’s file of all information pertaining to the account including a complete record of all payments and disbursements.

• a free Christian financial counseling Client Handbook.

• a complete file review upon request either by mail or in person.

Responsibilities

Each client of Family Life Credit Services is responsible for:

• disclosing accurate and complete information, including all credit outstanding.

• requesting creditors to remove credit insurance from accounts.

• changing creditor due dates to correspond with FLCS disbursement dates.

• monitoring monthly statements and other communications from both FLCS and the client’s creditors.

• informing FLCS of material discrepancies between our monthly statement and the statements received from creditors.

• notifying us of any changes in your circumstances.

• making the monthly deposit on a timely basis.

• informing FLCS of non-routine communications from creditors.

• maintaining the commitment not to take on new credit while on the program without first discussing the potential consequences with FLCS.