Financial Counseling
Delta Payne, Certified Financial Counselor
Delta M. Payne, Certified Financial Counselor, is dedicated and passionate about helping people meet their financial goals. Over the last 30 years, she has helped hundreds of people avoid and come back from financial hardships. In 2010, she was elected "Counselor of the Year" by the National Federation of Housing Counselors.
Phone: (202) 488-5400 ext. 1865
Email: dpayne@democracyfcu.org
Fax: (571)527-2355
Mail: Attn: Delta Payne c/o Democracy FCU,
400 N Columbus St #300, Alexandria, VA 22314
Budgeting and Credit
Budget and Credit Counseling Services are available and will teach members how to manage money by setting financial goals, selecting the best budgeting style, and creating a budget that works. You will also learn about credit scores, common credit card practices, and proper use of credit. The Financial Counselor will assist you in determining the best options to meet your individual needs.
- Advise you on managing your money
- Offer solutions to your current financial problems
- Develop a personalized plan to help you prevent future difficulties
- Dealing with troubled credit such as post bankruptcies, liens, over-extended credit, past due accounts, pay-day loans, adverse action, etc.
- Credit restoration techniques disputing errors shown on the credit report and assisting in rebuilding credit scores
Debt Management Program
This program is designed to provide a unique solution to your personal financial situation. We will provide you with options to help you plan for a debt-free future.
Upon enrolling in a debt management program, we will:
- Help you simplify the management of your debt and combine most or all unsecured debt into one monthly payment.
- Create a proposal to your creditors to negotiate debt reductions, lower interest rates, eliminate fees, and/or work out payment agreements.
- Send payments to involved creditors so you can make one simple payment to Democracy FCU.