Service Tree

The Service Tree lists all services in "branched" groups, starting with the very general and moving to the very specific. Click on the name of any group name to see the sub-groups available within it. Click on a service code to see its details and the providers who offer that service.

Credit Related Organizations/Services

Programs that provide services which relate to the limited lines of credit made available to consumers when they obtain a credit card or a loan from their bank or another financial institution. Credit cards allow consumers to purchase goods and services under an agreement where they repay all or a portion of the outstanding balance on a regular basis at an established interest rate.

Debt Management

Programs that provide assistance for individuals who are having difficulty meeting their financial obligations and, as a result, may be faced with bankruptcy or loss of their home or property.

Loan Counseling

Programs that provide assistance for people who are in the process of obtaining a loan or line of credit to ensure that they understand the terms and conditions of the document they are about to sign and, where relevant, prevent them from becoming victims of predatory lending practices.

Personal Finances Administration

Programs that help people develop a plan for managing their money and that assume responsibility for investing the funds and/or making the payments on the individual's behalf in accordance with the plan.

Personal Financial Counseling

Programs that help people who are having difficulty paying their monthly bills gain control of their finances. The process generally involves analysis of the individual's income, expenses, debts, taxes and other factors to create a personal financial assessment; development of a budget for basic living expenses; and agreement on a short-term plan for repayment of creditors which may include debt consolidation or other strategies and a longer term plan for realizing personal financial goals.

Representative Payee Services

Public agencies, nonprofit organizations, banks, relatives or other individuals who have been appointed under federal law to act as a surrogate in situations where a cognitive impairment makes it impossible for beneficiaries to manage their own Social Security and SSI/SSD payments. Representative payees are chosen and designated by the Social Security Administration (SSA) to act on behalf of financially incapable SS or SSI beneficiaries. The individuals and organizations selected by the SSA may also manage waiver funding, consumer or family support grants or other types of benefits when chosen and designated by the administrating entity to act on behalf of beneficiaries who are incapable of managing their finances.

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