Certified counselors will assess clients' financial situations, develop a spending plan, and create a plan for debt repayment. A debt consolidation plan may help: -  Reduce interest rates -  Waive late fees -  Lower monthly payments -  Eliminate collection calls   With a debt consolidation plan, clients make one monthly deposit which is then disbursed to each of their creditors. Most plans are structured so clients can be debt free in 60 months or less.

InCharge Debt Solutions is a national non-profit credit counseling agency offering confidential budget counseling, debt management, housing counseling, bankruptcy counseling and financial education programs to consumers, including military personnel serving overseas.

Offers financial reviews and education in person, over the phone, or online. Services include: - Credit and debt counseling. - Bankruptcy counseling. - Housing counseling (pre-purchase, foreclosure prevention, and reverse mortgage). - Student loan debt counseling. - Debt management plans. - Credit report reviews. - Foreclosure information. - Tips for first-time veteran and military homebuyers.

Offers comprehensive financial counseling services including: - Budget and debt management. - Debt repayment strategies. - HUD-approved mortgage, delinquency, and default resolution consolidation. - Home purchase guidance. - Bankruptcy counseling and post-bankruptcy counseling. - Student loan counseling.

Provides free online learning communities and counseling resources to help service members with financial challenges during and after transitioning. Helps service members and families achieve their goals.

Operates legal clinics providing free 30 minute consultations with an attorney on debt and bankruptcy issues. Volunteer bankruptcy lawyers meet individually with debtor clients who are considering or have already applied for bankruptcy as well as those who need assistance with other debt issues. Assists Chapter 7 and Chapter 13 litigants. Clinic attorneys can: - Determine whether the client has a legal problem - Suggest possible options - Help answer papers, summons and requests - Provide appropriate referrals Clinic attorneys are specialized in areas of debt and bankruptcy law. Attorneys CANNOT give advice on criminal legal issues or provide representation on any legal matters. To apply for an appointment: Fill out the online Client Intake Form on website. Those who cannot use the client intake form may call and leave a message with name, phone number, and a brief description of their legal issue.

Certified Credit Counselors assist clients with a budget, credit counseling, and financial education. The Debt Management Plan helps clients to receive benefits from creditors which may include lower interest rates and elimination of late and over-the-limit fees. Collection calls should stop after three consecutive, on-time, acceptable payments have been made.  The Debt Management Plan will help to lower clients' debt to income ratio and will have them debt free in approximately five years or less. Continuing financial education and counseling assists with clients' long term success on the plan and helps to build solid financial management skills.

Hosts a legal clinic specifically designed to address the needs of lesbian, gay, bisexual, and transgender individuals and couples. This clinic is run by QLaw Foundation in partnership with the King County Bar Association. The clinic is open to everyone regardless of sexual orientation or gender identity. At the clinic, an attorney will meet with clients for 30 minutes and provide individualized legal advice and information. Clinic attorneys will answer questions and provide information in a variety of areas including family law, immigration, debt and bankruptcy, divorce/dissolution, employment discrimination, and transgender legal issues.

Assist households with the challenges of buying and keeping a home. Offers pre-purchase counseling and education and a down payment assistance loan program.

Provides multiple helplines for people to speak with experts and get connected to resources regarding financial issues including bankruptcy, credit score improvement, foreclosure, mortgage default/delinquency and debt management for student, credit card, medical and tax-related debt.