A Non-Profit Consumer Credit Counseling Organization

Big Solutions, Inc.
2300 West Sample Road
Suite #304
Pompano Beach, FL 33073


Phone: 866-249-0343
Fax: 954-247-0022
   


What Is Big Solutions?



BSI, or Big Solutions, Inc. is a charitable and educational Consumer Credit Counseling and Debt Management organization, operating under the strict guidelines of the IRS non-profit code 501 (c)(3) and all State mandated requirements.

We are firmly dedicated to educating the public with important and useful information on personal money management, such as buying practices, budgeting, and the sound use of consumer credit.

BSI provides customized counseling and educational support to low-income individuals and families without charge.

All BSI Counselors are certified by the National Institute of Financial Education as well as the Institute on Financial Literacy.

Big Solutions has received ISO 9000:2001 accreditation.




Services and Support


Individualized Professional Counseling



Big Solutions, Inc. partners closely with families and individuals to help resolve stressful money management issues and set realistic, attainable financial goals. Our certified, professional counselors will always work diligently to provide you with the most appropriate debt management solutions, based on your unique personal and financial circumstances, and clearly explain the advantages and disadvantages of all available options. There is never a charge for this service.

Please be assured that information obtained in counseling sessions is considered extremely confidential. It is used solely to determine and develop the best and most realistic course of remedial action. Big Solutions strongly adheres to parameters set forth by the Gramm-Leach Bliley legislation.

The purpose of these sessions is to provide constructive advice, continued support and personalized assistance so that you can successfully meet your current and future objectives.

Customized Educational Tools



Education is the cornerstone of our commitment. Big Solutions, Inc. will offer you various learning tools and resources, on an on-going basis, such as books, internet links, videos and other very helpful information specifically tailored to address your personal situation, and circumstances.

We provide an extensive and diverse range of education programs to match all our client’s needs, the needs of our community, and the needs of the general public.

Easy to understand, educational resources are available to everyone, despite your ability to pay for these materials.

Our workshops, seminars and one-on-on educational presentations include topics such as:
    • Clarifying and Setting Financial Goals • Organizing Financial Records • Opening a Bank Account • How To Read Bank Statements • Credit Card “The Good, The Bad and The ugly” • How To Read Credit Card Statements • How To Reconcile a Check Book • Monitoring Debt-to-Income Ratio • Identity Theft • Understanding Credit Reports • Budgeting • Preparing a Spending Plan • Building Wealth • Types of Saving • Buy or Lease a Car • Mortgages & Foreclosure • Bankruptcy • Alternatives to Bankruptcy • Insurance • Disaster Planning and Recovery • Weddings on a Budget • The Holidays are Coming • Tax Season • Planning for College • Long Term Care • Loans and Interest Rates • The Road to Financial Independence

Budgeting Planning



A certified BSI counselor will ask you a series of questions to help better understand your economic profile and the main cause of your personal financial problems. The answers to these questions will provide a solid foundation for your customized budget and will be the basis on which we can determine which programs will best suit your situation and needs.

It is critical that you provide us with the following information about your household:
    Do you own or rent your home?
    What is your monthly housing payment?
    Do you own an automobile?
    What is your monthly automobile payment?
    How much are your average monthly utility bills?
    How much are your average monthly grocery bills?
    How much are your monthly insurance bills (medical, home, automobile, health, etc.)?
    Are you married?
    Do you pay child support? If so, how much?
    Do you pay for child daycare? If so, how much?
    What are your other monthly expenses?
    Do you have monthly medical expenses? If so, how much?
    Do you have any outstanding loans? If so, how much?
    Do you have credit card bills? If so, please itemize balances owed on each.
    Are you current or behind with your credit card bills? If so, how late are the payments on each card?
    Are you employed?
    What is your monthly take-home pay?
    Is your spouse employed?
    What is his/her monthly take-home pay?
    Do you have any additional monthly income (i.e. Social Security, Disability, Pension Plans)?
    Describe in detail all special circumstances.
Your answers to these questions will enable your credit counselor to guide you through a financial assessment and help you complete an affordable monthly spending plan and budget. You will receive a written Analysis and Recommendation which summarizes your goals, immediate actions that need to be taken, and the advantages and disadvantages of all appropriate, options, such as enabling you to speak directly with your creditors about special re-payment arrangements, contacting public assistance agencies, debt management plans, bankruptcy, etc. There is no cost for these services.

Resources and Referals.

This section is devoted to providing links and contact information in many areas of personal finance and professional referrals. Resources include health care, childcare, housing, marriage counseling, substance abuse counseling, suicide prevention, career development, credit reporting, legal services, stress management and more. Call us if you need additional help.

USEFUL PHONE NUMBERS

Abuse Registry: 1-800-962-2873
Alcohol Abuse: 1-800-252-6465
Federal Information Center: 1-800-688-9889
Federal Tax Information: 1-800-829-1040
Florida Relay Center: 1-800-955-8770
Gamblers hotline: 1-800-426-7711
Homesavers: 1-800-452-9572
Jumpstart Coalition: 1-800-45-EDUCATE
NCPCF: 1-800-583-2964
Suicide Hotline: 1-954-537-0211
Mental Health Crisis: 1-954-463-0911

CREDIT REPORTS AND SCORING

Equifax
TransUnion
Experian
myFICO - Your Source For Credit Scoring
Fair Isaac Corporation

BANRUPTCY

USDOJ/U.S.Trustee Program
American Bankruptcy Institute
Federal Trade Commission

CONSUMER INFORMATION

Federal Trade Commission
Florida Attorney General

STUDENT LOANS

Federal Direct Consolidation Loans


OTHER HELPFUL LINKS

Consumers Face Huge Losses With Debt Settlement Firms

Top Five Credit Card Costs to Avoid - AOL Money & Finance
Money101 Lesson 9: Controlling Debt
Calculators - Debt reduction planner

Hidden Credit-Card Fees

Bankruptcy credit counseling gets mixed reviews

A bankruptcy credit counseling session

Top Searched States for Foreclosures - AOL Hot Searches

NeighborWorks -- 888-995-HOPE

Living on a Dime -- Making The Most of What You Have

Dirty Credit Card Tricks - AOL Money & Finance "

Welcome to PPARx.org - Discount Prescription Drugs

12 Things You Should Never Do Online

Credit Score Myths



COMMUNITY OUTREACH AND EDUCATIONAL PROGRAMS

BSI is pleased to continually offer the educational workshops to all
interested persons. Remember, there is no cost to attend and participate.

Setting And Adhering To Realistic Financial Goals
1/13/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Guarding Against Identity Theft
1/27/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Organizing And Retaining Financial Records
2/10/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

First Time Home Buying
2/23/2012
Time 5:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Mortgages/Loan Modification and Second Mortgages
3/9/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

How To Avoid Foreclosure
3/23/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Maintaining A Realistic Debt-To-Income Ratio
4/6/2012
Time 5:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Disaster Planning and Recovery
4/19/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Working Effectively with IRS/Resolving Tax Issues
5/4/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

How To Set And Adhere To A Realistic Budget
5/21/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Assistance For Returning Military Personnel
6/8/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Includes assistance options for their families. THIS SEMINAR WILL BE REPEATED ON BOTH THE 23RD AND 24TH AS WELL each night at 6PM.
How To Deal With Loss of Income – Re-Budgeting
6/21/2012
Time 5:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Reading And Understanding Credit Card Statements
7/13/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Families With Special Needs-How to Budget Finances
7/27/2012
Time 5:30PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Renting Vs. Buying
8/1/2012
Time 10:00AM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Setting Realistic Goals To Achieve Financial Stab.
8/17/2012
Time 5:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Credit Scores/FICA Scores/Beacon Scores
8/22/2012
Time 5:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Didsaster Planning- Planning for the Unexpected
8/29/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

How To Better Manage And Prioritize Your Expenses
9/14/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Disputing Credit Bureau Erroneous Charges
10/5/2012
Time 5:30PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Living On Social Security and Pension
10/19/2012
Time 5:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Taking Control Of Your Finances
11/12/2012
Time 6:00PM
BSI Corporate Office
2300 West Sample Road
Suite 304
Pompano Beach, Florida 33073

Mortgage Woes – Speaking With Your Mortgage Lender
12/7/2012
Time 6:00PM
BSI Corporate Office
2300 W. Sample Rd.
Suite 304
Pompano Beach, Florida 33073

Please call us at 954-698-6262 to reserve a seat.

Always check this website for future seminars and workshop topics and dates.


Additional Topics

What Insurance Programs Are Necessary To Maintain
Care Givers οΏ½ Tips On Budgeting
Returning Military Personal and Families οΏ½ Getting Back On Track
Budgeting Assistance for Persons With Special Needs
Falling Behind On Credit Card Payments? Suggestions/Priorities
Death In The Family οΏ½ Dealing With Bills and Expenses
Re-Budgeting Household Expenses with Declining Income
The Truth About Debt Settlement, Loan Modification, Short Sale Offers



Big Solutions regularly distributes free educational information and debt management tools at the following locations::

Home Depot
Hillsboro Boulevard
Deerfield Beach, Florida

The Mae Volen Senior Center
Deerfield Beach, Florida

Publix Supermarket
PalmAire Plaza
Deerfield Beach, Florida

Publix Supermarket
Powerline Road and Hillsboro Boulevard
Deerfield Beach, Florida

North Broward Hospital
Sample Road
Pompano Beach, Florida

The Festival Flea Market
Sample Road
Pompano Beach, Florida

Century Village Senior Community Center
Hillsboro Boulevard
Deerfield Beach, Florida

Minor Emergency Care
Federal Highway
Deerfield Beach, Florida

The Check Cashing Store
1 West Hillsboro Boulevard
Deerfield Beach, Florida

Cosco
Sample Road
Pompano Beach, Florida

Wal*Mart
Copens Road
Pompano Beach, Florida

Humane Society
Criffin Road
Hollywood, Florida

BrandsMart
SE 10th Ave.
Deerfield Beach, Florida

Target
Federal Highway
Deefield Beach, Florida

Quiet Waters Park
Powerline Road
Deefield Beach, Florida

Social Security Office
Powerline Road
Pompano Beach, Florida

Walmart
Hillsboro Boulevard
Parkland, Florida
Humane Society

Griffin Road
Hollywood, Florida

BrandsMart
SE 10th Ave.
Deerfield Beach, Florida

Target
Federal Highway
Deefield Beach, Florida

Quiet Waters Park
Powerline Road
Deefield Beach, Florida

Social Security Office
Powerline Road
Pompano Beach, Florida

Veterans Adminstration
Pompano Beach, Florida

Various Church groups and Special Needs associations.

If your organization is interested in receiving a variety of educational tools, or if you would like a BSI representative to hold a seminar on topics such as Budgeting, Savings, Using Credit Wisely, please contact us at: 954-247-0021.