By providing comprehensive financial counseling and education, we will help consumers achieve financial independence through debt reduction, homeownership, and improved money management skills. As a financial resource center, we offer the tools to help our clients set and achieve financial goals. Whether you need immediate help to pay off debt and avoid bankruptcy or you just need guidance in designing a spending and savings plan or buying a first home, we offer a variety of programs and services that put you in control of your financial future. There is no charge for money management, debt or housing counseling services. Debt Management Plan participants pay a small monthly administrative fee to cover the cost of handling their accounts; the fee never exceeds $35 per month. Although we are based in San Francisco, we serve people nationwide by phone. Our staff includes BAs, MAs, JDs, MSWs, certified financial planners and certified credit report reviewers. All counselors participate in a month-long training program upon hire and in ongoing training sessions on everything from counseling techniques to resources and referrals.