Financial Management & Debt Reduction

FINANCIAL FREEDOM…

Freedom from the hassles of paying bills.

Freedom to relax and know your debts are being paid on time.

we believe that our role as financial coaches is empowering our clients to increase their level of success in all areas of life. When bills pile up and debt accumulates, personal finance becomes an area that often limits one's effectiveness. Focus Institute is committed to assisting individuals and families successfully excel in the area of personal finance.

what makes us unique?

According to the Federal Trade Commission, debt repayment plans usually only cover unsecured debt. Focus Institute assists clients with unsecured and secured debt. Foreclosures and repossessions are often prevented when individuals and families utilize Focus Institute's debt management services.

something for everyone

focus Institute does not limit financial services to clients facing financial difficulties. Many individuals and families enjoy the convenience of Focus Institute's bill paying service as a way to save time and reduce stress associated with paying bills.

confidentiality

All communication and records are privileged and confidential, and are protected under the Federal and State Confidentiality Regulations and cannot be released without client's written consent unless otherwise provided for in said regulation. Focus Institute policies strongly adhere to all confidentiality regulations.

steps to financial freedom

Financial Overview: We help clarify your financial situation by taking inventory of family income, debts, and living expenses.

Spending & Savings Plan: We work with you to create a financial map to help you reach your destination of "accelerated debt reduction" and to stay current by making all payments on time.

Bill Consolidation & Debt Restructure: If payments and expenses exceed income, it may be necessary to assist you with a bill consolidation or negotiate with creditors to get payments reduced.

Payments Are Made For You: You avoid the hassle of paying bills and may never pay a late fee again.

Accelerated Debt Reduction: We help you arrange you debts in a payoff order and follow a plan to get out of debt more quickly than you ever thought possible.

Investments For Now & For Retirement: Investing regularly can provide money for retirement plus a fund so you can borrow from yourself for cars, home, trips, etc. You can pay yourself back and have money for a comfortable, secure retirement.