Do You Need Us?
Do you feel that you are financially lost or insecure? That can happen to anyone. Do you feel that it is a struggle to make ends meet each month? Are you hoping that something will happen that gets you out of a day-to-day struggle? Are the bills mounting up and there appears to be no alternative other than bankruptcy? Do you want to get on the path to financial wellness, but feel trapped in an unending circle of debt and endless calls from businesses seeking repayment and not know how to get back on tracl?
If you feel that way, you are not alone. Many people and families are in this position. We know. We provide non-profit counseling and debt-repayment plans to many throughout Central Washington. Take the following test to determine if you are someone that could use our counseling or educational assistance.
- Are you unsure about how much you owe?
- Do you skip some bills to pay others?
- Do you lack sufficient cash to use for an emergency situation?
- If you lost your job, would you have trouble paying the basic living expenses of housing, food, utilities, or clothing?
- Are you postponing medical or dental appointments for yourself because you cannot afford them now?
- Are you avoiding insurance hoping there will be no illness because you don't have the money?
- Do you find that you and your spouse argue about money?
- Are you receiving calls from creditors about overdue bills? Are those calls becoming a problem and distraction?
- Do you find that you are exceeding your monthly budget for necessities like gas and groceries? Are you charging these necessities hoping you will pay for them later?
- Are you using an increasing percentage of your income just to pay off debts?
- Can you make only the minimum payments on your credit cards?
- Do you feel that "shopping till you drop" despite having bills has become compulsive?
If you answered YES to:
1-2 Questions You may be developing financial problems. CCCS of Yakima Valley can help you to avoid the risk of serious problems in the future through its free, confidential counseling programs or free educational workshops provided throughout Central Washington that address specific issues and provide options that work for you. You can refer to the agency's educational schedule to find a workshop/presentation near you.
3-5 Questions You are on the edge of major financial problems. Get started today by taking a positive step and calling your CCCS of Yakima Valley office to develop a plan to gain control of the financial situation before it worsens. You have alternatives that you can still consider.
5-12 Questions You must face the problem and take action now. You are on the edge of financial disaster. But, it is not hopeless. CCCS of Yakima Valley programs can provide you a realistic assessment of the situation and help you develop positive options with a goal of debt repayment.
Call us at (800) 273-6897 in the State of Washington for a worksheet and a free budget assessment/non-profit counseling appointment. Non-judgmental: a National Foundation for Credit Counseling certified counselor will help you through the financial maze and determine positive answers to resolve your problems. If you think that the only answer is bankruptcy, look to getting free non-profit community service counseling first so you can see where you are before you make a life-changing decision that may not be in your best interests.
For those in need of more immediate assistance, a secure worksheet is available through a link on this site that may be downloaded and mailed to us or provided immediately to us through a secure internet connection. We will call you back to establish an appointment. You can get this counseling appointment by phone or in-person at any one of our offices throughout the region.