Credit and Debit Counseling...

13 danger signs that our help is needed:

  • Thoughts of bankruptcy
  • Wage garnishment
  • Little or no cash for food, gas, or spending money
  • Consolidation loans
  • Borrowing from Peter to pay Paul
  • Credit cards maxed out
  • Disconnect notices
  • Past due accounts for bills or medical expenses
  • Repossession/foreclosure
  • Credit turn-downs
  • Bouncing or post-dating checks
  • Harassing letters and calls
  • Difficulty paying bills on time

    Credit Counseling can help you:

  • Develop a budget withing your income level
  • Build up your credit history
  • Negotiate with creditors
  • Write the checks
  • Pay all of your bills without additional borrowing
  • Put money in your pocket
  • Restore your peace of mind

    Steps to financial freedom:

  • Gather all of your bills and payments together
  • Write down what your living expenses are for food, gas, etc.
  • Add up what monthly income your family has together
  • Decide to take action to get caught up and out of debt
  • Call Family Management Credit Counselors, Inc. at (319) 234-6695
  • Set up a free, confidential one-on-one interview appointment

    Call us today for a consultation - (319) 234-6695

    We are located at 1409 W. 4th street in Waterloo, Iowa. Our handicapped-accessible office is located five blocks past the Social Security office on 4th Street and is one block before Locke Funeral Home, near the six corners.

    Contact us by phone at: (319) 234-6695
    Contact us by email at: fmccinonprofit@qwest.net


  • SARA ALBERTSEN, OFFICE MANAGER