ACDCA - Credit Counseling & Personal Financial Management Instruction


	ALLEN CREDIT & DEBT COUNSELING AGENCY A chance for a New Beginning...

Read what others have said:

"This class helped me face financial problems I knew existed but did not want to confront. I now know what my current position is and what steps I need to take to remedy my situation." Read More...

Allen Credit & Debt Counseling Agency
PO Box 195
Wessington, SD 57381
Phone: (888) 415-8173

Excerpts from the Pre-Petition Bankruptcy Session

Budget Development & Budget Analysis:

What are your current financial goals and objectives?

Is there anything in particular that you are currently concerned with regarding your financial situation?

Are you anticipating any major life style changes that could involve money (retirement, divorce, inheritance, children going to college)?

What is the best financial decision you have ever made?

Have you made any financial decisions that you regret?

Danger Signs

Use the following self test periodically to determine whether you have too much debt.

• Are you borrowing to pay for items you once paid for with cash?
• Is an increasing percentage of your income going to pay debts?

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