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Education Services

Financial security - in your own hands.

iPayDebt Financial is committed to making sure that you're able to keep yourself free and clear of any
financial confusion or trouble. We have certified Credit Counselors trained to teach you all the details
of finance management you'll ever need - from the simple matters of credit cards and banking to more
complex decisions such as home loans and investment. We also show you how to manage what you
have in a manner that puts control in your hands, not those of your creditors.

You can read about some of our programs below. From personal counseling to group seminars,
iPayDebt is dedicated to bringing financial education to you in a manner that is both easy to
understand and relevant to your life.

Upcoming Events
Homebuying Done Right, Austin TX02/08/12 at 6:00 PM
Thinking of buying a home? This class will explain the best ways to prepare yourself for this major step. We will discuss preparing your finances and how to deal with a lender as well as how to shop for the home itself. Though the process can feel overwhelming, we can help you make sense of it all and ensure you know all your options and rights.

This class is free, but space is limited. Please call 1-800-336-1245 or register online to reserve your seat.
 
Homebuyer Education, Ogden UT02/11/12 at 9:00 AM
Thinking of buying a home? This class will explain the best ways to prepare yourself for this major step. We will discuss preparing your finances and how to deal with a lender as well as how to shop for the home itself. Though the process can feel overwhelming, we can help you make sense of it all and ensure you know all your options and rights.

This class lasts six and a half hours, and participants may pay a $50 fee to receive a HUD Homebuyer Education Certificate at the end. This certificate is required for many homebuyer assistance programs in the area. Please call (801) 621-5600 to register.
 
Defeating Your Debt, Austin TX02/15/12 at 6:00 PM
Many consumers find it difficult to make real progress on their debt. This class goes over your rights and options as a consumer, as well as the best ways to approach your bills so you feel like you're actually getting ahead. We will discuss how to make a realistic plan to take on your debt, how to speak with your creditors, and how to protect yourself against scams and false promises.

Seating is free, but limited. Please call 1-800-336-1245 or register online to reserve your seat.
 
Avoiding Foreclosure, Austin TX02/22/12 at 6:00 PM
If you're behind on your home payments, or you're worried you might be soon, you should know your rights, options, and responsibilities as a homeowner. This class goes over how to deal with your mortgage companies, how to negotiate with them, the best ways to take control of the situation, and the options you have to avoid foreclosure.

This class is free but seating is limited, so please call 1-800-336-1245 to register.
 
Homebuyer Education, Ogden UT02/29/12 at 1:00 PM
Thinking of buying a home? This class will explain the best ways to prepare yourself for this major step. We will discuss preparing your finances and how to deal with a lender as well as how to shop for the home itself. Though the process can feel overwhelming, we can help you make sense of it all and ensure you know all your options and rights.

This class lasts six and a half hours, and participants may pay a $50 fee to receive a HUD Homebuyer Education Certificate at the end. This certificate is required for many homebuyer assistance programs in the area. Please call (801) 621-5600 to register.
 
Improving Your Credit, Austin TX03/07/12 at 6:00 PM
Your credit report and credit score both have a large impact on your life - employment opportunities, housing, insurance, and of course lending. Many consumers want to know how to improve their own credit, and we can show you the basics of how to do this for yourself. We will discuss how to get your report, how to read it, what your score means, and how it's calculated so you can start to improve it on your own.

This class is free, but space is limited, so please call 1-800-336-1245 or register online to save your seat.
 
Homebuyer Education, Ogden UT03/10/12 at 9:00 AM
Thinking of buying a home? This class will explain the best ways to prepare yourself for this major step. We will discuss preparing your finances and how to deal with a lender as well as how to shop for the home itself. Though the process can feel overwhelming, we can help you make sense of it all and ensure you know all your options and rights.

This class lasts six and a half hours, and participants may pay a $50 fee to receive a HUD Homebuyer Education Certificate at the end. This certificate is required for many homebuyer assistance programs in the area. Please call (801) 621-5600 to register.
 
Homebuying Done Right, Austin TX03/14/12 at 6:00 PM
Thinking of buying a home? This class will explain the best ways to prepare yourself for this major step. We will discuss preparing your finances and how to deal with a lender as well as how to shop for the home itself. Though the process can feel overwhelming, we can help you make sense of it all and ensure you know all your options and rights.

This class is free, but space is limited. Please call 1-800-336-1245 or register online to reserve your seat.
 
Defeating Your Debt, Austin TX03/21/12 at 6:00 PM
Many consumers find it difficult to make real progress on their debt. This class goes over your rights and options as a consumer, as well as the best ways to approach your bills so you feel like you're actually getting ahead. We will discuss how to make a realistic plan to take on your debt, how to speak with your creditors, and how to protect yourself against scams and false promises.

Seating is free, but limited. Please call 1-800-336-1245 or register online to reserve your seat.
 
Homebuyer Education, Ogden UT03/28/12 at 1:00 PM
Thinking of buying a home? This class will explain the best ways to prepare yourself for this major step. We will discuss preparing your finances and how to deal with a lender as well as how to shop for the home itself. Though the process can feel overwhelming, we can help you make sense of it all and ensure you know all your options and rights.

This class lasts six and a half hours, and participants may pay a $50 fee to receive a HUD Homebuyer Education Certificate at the end. This certificate is required for many homebuyer assistance programs in the area. Please call (801) 621-5600 to register.
 
Avoiding Foreclosure, Austin TX03/28/12 at 6:00 PM
If you're behind on your home payments, or you're worried you might be soon, you should know your rights, options, and responsibilities as a homeowner. This class goes over how to deal with your mortgage companies, how to negotiate with them, the best ways to take control of the situation, and the options you have to avoid foreclosure.

This class is free but seating is limited, so please call 1-800-336-1245 to register.
 
Improving Your Credit, Austin TX04/04/12 at 6:00 PM
Your credit report and credit score both have a large impact on your life - employment opportunities, housing, insurance, and of course lending. Many consumers want to know how to improve their own credit, and we can show you the basics of how to do this for yourself. We will discuss how to get your report, how to read it, what your score means, and how it's calculated so you can start to improve it on your own.

This class is free, but space is limited, so please call 1-800-336-1245 or register online to save your seat.
 
Homebuying Done Right, Austin TX04/11/12 at 6:00 PM
Thinking of buying a home? This class will explain the best ways to prepare yourself for this major step. We will discuss preparing your finances and how to deal with a lender as well as how to shop for the home itself. Though the process can feel overwhelming, we can help you make sense of it all and ensure you know all your options and rights.

This class is free, but space is limited. Please call 1-800-336-1245 or register online to reserve your seat.
 
Homebuyer Education, Ogden UT04/14/12 at 9:00 AM
Thinking of buying a home? This class will explain the best ways to prepare yourself for this major step. We will discuss preparing your finances and how to deal with a lender as well as how to shop for the home itself. Though the process can feel overwhelming, we can help you make sense of it all and ensure you know all your options and rights.

This class lasts six and a half hours, and participants may pay a $50 fee to receive a HUD Homebuyer Education Certificate at the end. This certificate is required for many homebuyer assistance programs in the area. Please call (801) 621-5600 to register.
 
Defeating Your Debt, Austin TX04/18/12 at 6:00 PM
Many consumers find it difficult to make real progress on their debt. This class goes over your rights and options as a consumer, as well as the best ways to approach your bills so you feel like you're actually getting ahead. We will discuss how to make a realistic plan to take on your debt, how to speak with your creditors, and how to protect yourself against scams and false promises.

Seating is free, but limited. Please call 1-800-336-1245 or register online to reserve your seat.
 
Homebuyer Education, Ogden UT04/25/12 at 1:00 PM
Thinking of buying a home? This class will explain the best ways to prepare yourself for this major step. We will discuss preparing your finances and how to deal with a lender as well as how to shop for the home itself. Though the process can feel overwhelming, we can help you make sense of it all and ensure you know all your options and rights.

This class lasts six and a half hours, and participants may pay a $50 fee to receive a HUD Homebuyer Education Certificate at the end. This certificate is required for many homebuyer assistance programs in the area. Please call (801) 621-5600 to register.
 
Avoiding Foreclosure, Austin TX04/25/12 at 6:00 PM
If you're behind on your home payments, or you're worried you might be soon, you should know your rights, options, and responsibilities as a homeowner. This class goes over how to deal with your mortgage companies, how to negotiate with them, the best ways to take control of the situation, and the options you have to avoid foreclosure.

This class is free but seating is limited, so please call 1-800-336-1245 to register.
 
Improving Your Credit, Austin TX05/02/12 at 6:00 PM
Your credit report and credit score both have a large impact on your life - employment opportunities, housing, insurance, and of course lending. Many consumers want to know how to improve their own credit, and we can show you the basics of how to do this for yourself. We will discuss how to get your report, how to read it, what your score means, and how it's calculated so you can start to improve it on your own.

This class is free, but space is limited, so please call 1-800-336-1245 or register online to save your seat.
 
Want to schedule an event?

Contact our Outreach and Education Department by phone, fax, email, or by submitting an online inquiry from our contact page. Please make sure you leave the best time to reach you so that one of our credit counselors can get back to you at your earliest convenience.

Financial Seminars

iPayDebt Financial Services works with groups such as high schools, churches, youth groups, support groups, and rehabilitation programs by scheduling speakers for their organizations. A certified credit counselor visits these groups and conducts an engaging seminar that details the basics of how credit works, the intricacies of credit scores, budgeting, and financial management. These seminars are aimed at education towards preventing financial hardship through knowledge, and are interactive to make sure each attendee gets the most they can from the experience.
College Residential Life Program

iPayDebt Financial Services works with colleges to train their residential coordinators and residential assistants (RAs) to understand the details given in our group seminars: credit, credit scores, budgeting, and finance. While many young men and women take their first steps into financial independence during their years in college, few options are made available for these students to get the answers they need about things such as credit cards and budgeting. The RA Training Program works to bridge this gap by training existing RAs to be able to handle questions of this nature.
Ongoing Client Education

Our existing education and debt management clients are supported through a series of ongoing education materials and counseling. Upon enrollment, a client’s financial history is examined to determine the root cause of their hardship, and they are sent appropriate information for addressing it. During the course of the client’s enrollment in our debt management program, they are sent quarterly letters detailing how to help save money, manage their existing cash flow more wisely, and find options on how to best improve their situation. Additionally, IPDFS employs federally recognized credit counselors that are consistently available to the client to answer questions for the client at any time.


The "Ask iPayDebt" Forums.
An easy way to ask the Counselors here at iPayDebt Financial any of the questions you may have. Just sign up for an account, log in, and send a message. Or, browse through questions other uses have already asked.   

Finance and Credit guides.
While we know that everyone's life is different, we try to address common problems or provide strategies and tips that can apply to many consumers. The guides below handle a wide range of situations - from how to deal with day-to-day credit use and savings to the harsh realities of bankruptcy.

  • Ways to Save Beyond the Grocery Store
  • Handling E-Payments
  • Bankruptcy Reform
  • Kids and Finances
  • Disputing Credit Errors
  • Credit Awareness & Understanding (PDF)