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Routing Number (RTN): 251480738 • 757-827-7200 • 800-826-7490
The first step is an appointment with a Counsellor to review your specific financial situation. The Counsellor will determine if you have a reasonable budget with realistic expenditures. If there are surplus funds available to repay the debt, a debt repayment program may be an option for you.
A debt repayment program is typically 3-4 years. However, it can be longer or shorter depending on your circumstances. The Counsellor will determine your time frame during your appointment.
A credit report is a summary of how you pay your financial obligations. It begins when you first apply to borrow money. It allows potential lenders to evaluate risk so that, based on your past performance, they can decide if you are likely to repay the borrowed funds or not.
As in a court case, the process of mediation provides a method of conflict resolution. However, it is much more informal and does …
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