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Worrying about money can affect every part of our lives; adding stress and keeping us from moving ahead.
If you feel overwhelmed by your financial situation and don't know where to go for help, look no further. Hopelink's Financial Capability program provides free tools and services to help you achieve your financial goals and make financial decisions that will help increase financial stability and long-term security.
Program options focus on gaining knowledge, developing skills, and accessing effective financial products and services:
Meet one-on-one with a trusted financial coach who cares about your financial goals and wants to help you reach them.
Financial Coaching is a personalized service where you can work with a coach to identify your financial goals and design an action plan to help you reach those goals. Your financial coach is there to guide you along the way by providing support, encouragement, accountability, and tools to help you address your most important financial priorities.
Financial coaching is directed by you and assisted by a trained professional. It is confidential, non-judgmental, and offered at no cost to you.
Access videos and online learning opportunities or attend a small group workshop on topics including budgeting, credit, banking, risk management and planning for your financial future.
Watch a video, help your kids learn about money, or attend a small group workshop on budgeting, credit, banking, and planning for times of financial uncertainty and hardships.
Hopelink and Express Credit Union (ECU) have partnered to ensure their members and clients have access to the necessary tools to make informed decisions and achieve their financial goals. Hopelink staff can help connect clients to ECU to open savings and checking accounts, help members and nonmembers apply for loans, and answer basic banking questions. Community Tellers are also available onsite at events. Ask about ECU Connections at any of our centers or learn more at www.expresscu.org.
How can I learn more about building or rebuilding my credit?
There are many free and reliable resources to help you learn more about credit. Here are some of our favorites:
Consumer Financial Protection Bureau (CFPB) Learn and take action.
Federal Trade Commission (FTC) Know your rights and take action.
AnnualCreditReport.Com Order and understand your credit report.
I have debt that is past due and I don’t know what to do about it?
Debt collection issues are challenging and can be frightening. We wanted to provide some resources that can help you understand how debt collection works and what your rights are:
Washington State Department of Financial Institutions (DFI). Find a credit counselor to help you.
Consumer Financial Protection Bureau (CFPB) Know your rights and take action.
What is the best way to negotiate a settlement with a debt collector?
Before negotiating a settlement with a debt collector, learn about the debt and plan for making a realistic proposal. The Consumer Financial Protection Bureau (CFPB) suggests a three-step approach:
Learn more about negotiating a settlement from the CFPB.
How can I get started with budgeting and learning more about managing my finances?
Washington State Department of Financial Institutions offers information and resources to help you make the most of your money at https://dfi.wa.gov/financial-education/information/budgeting.
How can I protect myself from identity theft or scams?
While identity theft can happen to anyone, there are some things you can do to reduce your risk. If you think someone is using your personal information to open accounts, file taxes, or make purchases, visit www.IdentityTheft.gov to report and recover from identity theft. Looking for identity theft resources to share in your community? Visit www.ftc.gov/idtheft.
If you still have questions that have not been answered here, we encourage you to visit the Consumer Financial Protection Bureau’s website www.consumerfinance.gov.
The CFPB is an independent agency of the US government responsible for consumer protection in the financial sector. The website provides educational information on financial topics and access to the federal consumer complaint network.
The Attorney General's office acts as "the people's attorney". Through its website you can access consumer education information, resources, and file a consumer complaint on the state level.
The FTC is the nation's consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace.
The Washington State DFI regulates and examines a variety of state chartered financial services. The Department also provides education and outreach to protect consumers from financial fraud.
The Financial Empowerment Network Seattle-King County (FEPN) is a network of agencies offering free or low-cost support to King County residents who want to understand more about their money, make good financial decisions, and have choices for savings and loans.
Washington LawHelp is a guide to free civil legal services for low-income persons and seniors in Washington. This site provides legal education materials and tools that give you basic information on a number of legal problems, and in some cases, detailed instructions and forms to help you represent yourself in court.