Individuals and families review and discuss various financial topics to stabilize or sustain personal finances: monitoring credit reports, banking features, savings, loan types, insurance, using credit, etc.

Our agency assists in spending plan counseling to prevent an impending delinquency, negotiate with the lenders to cure a default or aid in transitioning from homeownership.

Click here to download or enter your information online and print the foreclosure intervention - home preservation packet, then sign, date and submit to the office. This packet must be completed in order for support services to begin. 



  • Pay stubs, award letters
  • W-2 and/or 1099
  • Last 2 tax returns
  • Mortgage paperwork and letters
  •  Legal letters received for the property 
  • Utility bills
  • Bank statements
  • Other bills 


BBSHDC-SJHM counselors provide impartial and accurate information. BBSHDC-SJHM may refer consumers to attorneys or attorney offices if requested. The information provided should be understood to be a general discussion of the subject matter and does not constitute a legal opinion about your particular situation.

Click here to learn more about our bankruptcy services.

Our counselors empower homebuyers to shop for a home, get a mortgage loan, improve their spending plan and credit profiles and maintain their home and finances before and after purchase.


Other Programs

Call 904.435.SJHM(7546) today ... take the first step.

"Helping individuals make sound financial decisions..."