Individualized Professional Counseling
Big Solutions, Inc. partners closely with families and individuals to help resolve stressful money management issues and set realistic, attainable financial goals. Our certified, professional counselors will always work diligently to provide you with the most appropriate debt management solutions, based on your unique personal and financial circumstances, and clearly explain the advantages and disadvantages of all available options.
Please be assured that information obtained in counseling sessions is considered extremely confidential. It is used solely to determine and develop the best and most realistic course of remedial action. Big Solutions strongly adheres to parameters set forth by the Gramm-Leach Bliley legislation.
The purpose of these sessions is to provide constructive advice, continued support and personalized assistance so that you can successfully meet your current and future objectives.
Customized Educational Tools
Education is the cornerstone of our commitment. Big Solutions, Inc. will offer you various learning tools and resources, on an on-going basis, such as books, internet links, videos and other very helpful information specifically tailored to address your personal situation, and circumstances. We provide an extensive and diverse range of education programs to match all our client’s needs, the needs of our community, and the needs of the general public. Easy to understand, educational resources are available to everyone, despite your ability to pay for these materials. Our workshops, seminars and one-on-on educational presentations include topics such as:
- Clarifying and Setting Financial Goals
- Organizing Financial Records
- Opening a Bank Account
- How To Read Bank Statements
- Credit Card “The Good, The Bad and The Ugly”
- How To Read Credit Card Statements
- How To Reconcile a Check Book
- Monitoring Debt-to-Income Ratio
- Identity Theft
- Understanding Credit Reports
- Preparing a Spending Plan
- Building Wealth
- Types of Saving
- Buy or Lease a Car
- Mortgages & Foreclosure
- Alternatives to Bankruptcy
- Disaster Planning and Recovery
- Weddings on a Budget
- The Holidays are Coming
- Tax Season
- Planning for College
- Long Term Care
- Loans and Interest Rates
- The Road to Financial Independence
A certified BSI counselor will ask you a series of questions to help better understand your economic profile and the main cause of your personal financial problems.
The answers to these questions will provide a solid foundation for your customized budget and will be the basis on which we can determine which debt management programs will best suit your situation and needs.
It is critical that you provide us with the following information about your household:
- Do you own or rent your home?
- What is your monthly housing payment?
- Do you own an automobile?
- What is your monthly automobile payment?
- How much are your average monthly utility bills?
- What is your average monthly grocery bill?
- How much are your monthly insurance bills (medical, home, automobile, health, etc.)?
- Are you married?
- Do you pay child support? If so, how much?
- Do you pay for child daycare? If so, how much?
- What are your other monthly expenses?
- Do you have monthly medical expenses? If so, how much?
- Do you have any outstanding loans? If so, how much?
- Do you have credit card bills? If so, please itemize balances owed on each.
- Are you current or behind with your credit card bills? If so, how late are the payments on each card?
- Are you employed?
- What is your monthly take-home pay?
- Is your spouse employed?
- What is his/her monthly take-home pay?
- Do you have any additional monthly income (i.e. Social Security, Disability, Pension Plans)?
- Describe in detail all special circumstances.
Your answers to these debt management services questions will enable your credit counselor to guide you through a financial assessment and help you complete an affordable monthly spending plan and budget. You will receive a written Analysis and Recommendation which summarizes your goals, immediate actions that need to be taken, and the advantages and disadvantages of all appropriate, options, such as enabling you to speak directly with your creditors about special re-payment arrangements, contacting public assistance agencies, debt management plans, bankruptcy, etc.