Houston Financial Empowerment Centers

Services Overview


BANKING

Banking IconFinancial counselors can work with you to create a financial plan to meet your goals. Based on your individual situation, counselors can help you:

  • Learn how a bank account can help you save money on fees (check cashing, money orders, wire transfers, and remittances)
  • Ensure you have an affordable bank account
  • Identify ways to lower how much you pay in bank fees
  • Help you open a bank account if you do not have one
  • Help fix bank accounts in Chexsystems
  • Banking Services Flyer (.pdf)
  • Banking Services Flyer - Spanish (.pdf)

Counselors can also provide referrals to other community resources to help meet any needs you may have.

CREDIT

Credit IconFinancial counselors can work with you to create a financial plan to meet your goals. Based on your individual situation, counselors can help you:

  • Read your credit report
  • Learn how to improve your credit
  • Learn how good credit can help your financial future
  • Review your credit report for accuracy
  • Dispute any inaccuracies on your credit report with the credit bureaus
  • Create a plan to pay down debt
  • Negotiate with creditors seeking payment for accounts in collection
  • Send ‘cease and desist’ letters to creditors that are harassing you
  • Create a plan to address issues with identity theft
  • Establish credit wisely if you do not have any credit history
  • Credit Services Flyer (.pdf)
  • Credit Services Flyer - Spanish (.pdf)

Counselors can also provide referrals to other community resources to help meet any needs you may have.

DEBT

Debt IconFinancial counselors can work with you to create a financial plan to meet your goals. Based on your individual situation, counselors can help you:

  • Learn how to manage debt wisely
  • Prioritize debt repayment
  • Create a plan to pay off accounts with payday lenders, auto title loans, and pawn shops
  • Review your credit report to identify current debt
  • Send verification letters to confirm ownership of past debt
  • Negotiate with creditors seeking payment for accounts in collection
  • Create a plan to pay down debt
  • Negotiate with lenders to prevent foreclosure
  • Develop a plan to pay student loans
  • Create steps to plan for wage garnishments
  • Debt Services Flyer (.pdf)
  • Debt Services Flyer - Spanish (.pdf)

Counselors can also provide referrals to other community resources to help meet any needs you may have.

SAVINGS

Savings IconFinancial counselors can work with you to create a financial plan to meet your goals. Based on your individual situation, counselors can help you:

Counselors can also provide referrals to other community resources to help meet any needs you may have.