The Most Important Black Friday Tip
Thanksgiving, Black Friday and Cyber Monday sales are an annual staple. There are countless sales both in person and online to choose from. So many choices, in fact, it can be a bit overwhelming. Numerous holiday shopping strategies abound, but there’s one money smart tip …
What exactly is debt management?
Debt management is typically repaying your unsecured debt (like credit card debt) principal in full within three to five years. It is often confused with debt settlement, which it is not. Settling a debt for less can greatly hurt someone’s credit and …
Have a debt monster that won’t go away?
Do you have a debt monster that won’t go away? If your credit card balances aren’t going down, CCOA can help you send them packing. Learn what you can do about it by answering 5 fast, fun and easy questions (no personal …
Take control of your college finances
Across the country, universities are making headlines as students start classes – either in-person or virtually. If you have a child that is approaching their high school graduation, this topic likely has your full attention. This is a great time to set …
Have you had “the money talk” with your family?
Money can be a difficult thing to talk about – but having proactive, honest conversations about money within your family can help reduce stress and improve the financial capability of generations to come. Explore our online financial education lesson on Family Conversations …
New Financial Terms Glossary
We’ve all been there. Someone starts talking about financial matters and they use a term you don’t understand. If you’re human, you’ll nod and smile, and, as soon as the conversation is over, you’ll “google” the term to bridge your knowledge gap. …
Credit score counseling: what is it & how does it work?
Your credit score may seem like a random number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are, which can have a big impact on your life. Understanding how credit scores and reports work can …
Text CCOA on Google
Did you know you can message us on Google? We’ve set up messaging on our Google My Business profile to allow you even more convenient access to the caring financial professionals at non-profit CCOA. You can get an appointment scheduled, check on …
How is Credit Counseling different than Debt Settlement?
There are some key differences between credit counseling agencies and debt settlement organizations worth considering. Organization: Credit counseling agencies are typically non-profit. Debt Settlement companies are usually for-profit. Credentials: A certified credit counseling professional looks at the larger picture of the client’s …
How is Debt Management different than Debt Settlement?
We’re often asked about the differences between debt management and debt settlement. Here’s a quick comparison on these two tactics for resolving debt issues. Debt Management Big Picture: A certified credit counseling professional conducts a budgeting and financial counseling session with a …
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