Consumer Credit Counseling

It didn’t need to take a multi-billion dollar government bailout of our nation’s banks and financial institutions this year for working families to realize that most U.S. consumers are spending more than we can afford.

In fact, in just the past several years, the average household’s credit card debt rose to a record $7,520 monthly balance, not including mortgage debt, student loans and automobile loans.

We can’t keep spending like this and hope to ever recover without help ourselves. Therefore, if you or someone in your family is facing a credit crisis, you may want to consider turning to the Union Plus Credit Counseling Program.

Taking the hassle out of finding a reputable debt management company with no misleading gimmicks, Union Plus has partnered with Money Management International. As the nation’s largest full service non-profit credit counseling agencies, it employs certified consumer credit counseling advisors who can work together with union members to create a successful program to eliminate debt.

To get a free credit counseling session, UFCW Local 1546 members can complete a request form online at www.unionplus.org/credit-counseling or by calling 1-877-833-1745. The free session includes:

Complete financial review and budget analysis
Assistance in budgeting or advice on sources of additional income
Advice on how to work with creditors
A written action plan
Referral to a social service organization in your area, if appropriate
Referral to Union Plus Legal Service or Union Plus Mortgage Assistance Program, if appropriate

UFCW members may also qualify for additional assistance with the Union Plus Debt Management Plan and bankruptcy services. In addition, members can take control of their finances with other Union Plus online resources including a loan payment calculator, financial questionnaires, and current credit score ratings.