What We Do

Debt Counseling


Get help with debt. Our nonjudgmental certified debt and financial counselors will help you make a plan.

Debt Management


Eliminate your debt in 2 to 5 years. You’ll pay off debt faster, save money, and have the caring support of our team.

Bankruptcy Support


It’s a tough decision. We’ll help translate your hopes into a plan. Call us and we’ll help you regain some stability.

Student Loan Counseling


Talk to one of our student loan advisors. We’ll explain the options and create a plan for reaching your financial goals.

Financial Profile Review


Financial Zero's certified financial counselors can walk you through a free review of your financial report. We’ll explain how to read the report and how financial scoring works, and answer your questions. Together we’ll make a plan for managing your score to support your goals.

Foreclosure Prevention


Free foreclosure counseling and support, so you know your options.

Homebuyer Assistance


What you need to know and do, before you buy a home

Reverse Mortgage Counseling


Figure out if a reverse mortgage makes sense for you


Financial Zero Preferred


$49.00 Per/Mo

*Custom Disputes     *Bankruptcy             
*Charge Offs           
*Late Payments       
*Short Sale              *Repossessions       
*Homeownership     Planning 
*Down Payment Assistance


Score for Price Plan


$99.00 Per/Mo

The Score for Price plan allows us to agree on a certain number of months to meet a specific goal.

Once we have agreed on that should it take longer you will not be billed further.  

Example:  If we agree to get you to a 680 in a few months and fail to do so, you're done paying, and we keep working.

Financial Zero Home Ownership Plan



*Learn the risks and rewards of home ownership

*Work on financial profile issues

*Find obscure down payment assistance programs

*Understand the terms of your loan

*Get through the closing process if you hit a snag

*Understand your mortgage statement

*Determine whether it’s time to refinance

*And much more


Financial Zero