Focus on your
Financial Wellbeing

A credit counseling session allows our certified counselors to take an in-depth look at your financial situation. By reviewing your unique situation, your counselor can determine a clear, unbiased solution that will best benefit you and your individual needs.  As everyone’s situation is different, it is very important that your counselor create a personally designed plan of action with appropriate resources and recommendations that will assist you.

Simply get started online by filling in this form.  Our certified counselors will review your expenses, income and debt to explore options for relief.

If you qualify for the program, the Debt Management Plan consolidates your bills into one affordable monthly payment. Navicore Solutions works with your creditors to possibly:

• Lower your monthly payments
• Lower or waive your interest
• Stop collection calls
• Waive late fees
• Consolidate your debt into an affordable repayment plan

Once enrolled in the program, one monthly payment is sent to Navicore Solutions and we disburse payments to each of your creditors. Navicore Solutions provides ongoing budget and credit counseling while you are enrolled in our Debt Management Plan and we are available 7 days a week to help solve any financial challenges that might occur along your road to becoming debt-free. 

Every Navicore Solutions Credit Counselor undergoes extensive financial counseling training and is required to be certified through the National Foundation for Credit Counseling (NFCC). Certified Credit Counselors must also maintain their certification by attending Professional Development classes and workshops.  

Navicore Solutions is approved by the U.S. Department of Housing and Urban Development (HUD) as a National Intermediary Housing Counseling agency providing pre-purchase, rental, default/foreclosure, and Home Equity Conversion Mortgage (Reverse Mortgage) counseling. All of our Housing Counselors are certified by the National Foundation for Credit Counseling (NFCC) the nation’s largest and longest-serving nonprofit financial counseling organization. 

Housing counseling services include: pre-purchase, default/foreclosure prevention, rental counseling, and Home Equity Conversion Mortgage (HECM)/Reverse Mortgage counseling. Each type of housing counseling is specific to your individual needs and is centered on providing a thorough individual analysis of your financial situation, detailed education and recommendations to make informed decisions. 

Pre-purchase counseling is the link to sustainable homeownership. This type of counseling helps clients become educated on the process of planning for and buying a home. If you are interested in buying a home now or in the future, Navicore Solutions can help you through the process. The program consists of an online element called Make Your Move, and an individual counseling session with a HUD-Certified Housing Counselor. Consumers will receive a certificate upon completion of the program. The pre-purchase curriculum covers financial management, evaluating credit information, prequalifying & loan approval, financing options, shopping for a home, finalizing the loan, the closing process, maintaining the home, avoiding foreclosure and predatory lending practices. Successful completion of the program may be used to qualify for applicable homeowners’ assistance programs. Pre-purchase counseling is ideally performed before the purchase contract is signed. 

It can feel overwhelming when you are unable to keep up with your expenses. If you are just starting to look at your options for improving your financial situation, the first step is to speak with one of our certified Credit Counselors, who will explain the advantages and disadvantages of the various options for handling your debt, including bankruptcy.