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ROMANS 13:8

Meeting

BUDGET COUNCELING

 A certified financial counselor will confidentially review your income, expenses and debt.

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DEBT MANAGEMENT

Get your debt under control through financial planning and budgeting.

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CREDIT REPAIR

The process of fixing credit that may have deteriorated for a variety of reasons.

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PRE-PURCAHASE COUNSELING

 Two part program that includes a follow up counseling session. 

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CONSULTATION

Chat with an expert on what service will be best for you. 

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MORTAGE DELINQUENCY

A home loan for which the borrower has failed to make payments as required in the loan documents. 

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ABOUT US

Delta Payne, Founder of OWNBL has been in the Financial counseling industry for over 30 years.  Delta is dedicated and passionate towards helping people meet their financial goals by providing knowledge, tools and guidance, that can effectively resolve and deliver anyone out of financial despair and into their financial freedom.

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TESTIMONIALS

Dear Mrs. Payne, I would like to thank you for working to repair my credit score. Since working with you, my credit score has gone up more than 50 points.  I was able to refinance my car, get approved for a credit card at a low interest rate and finally get approved for my home loan. Your knowledge and guidance has been invaluable. 

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My experience has been a pleasure! I will be recommending your office to others who need assistance with credit repair. 

-J.White

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Ms. Payne is an amazing financial counselor! From the start, she always helps me with any questions. Also, she works with me in any area of concern I have. I personally recommend Mrs. Payne for any one who needs a financial counselor. 

-S. Teffera

I had the pleasure of participating in the Financial Counseling Services with Owe No Man Nothing. I have accomplished my financial goals based on the guidance and recommendations provide by Mrs. Delta M.Payne.

Mrs. Payne provided me a customized assessment, action plan, and the necessary tools to stay financially stable. As a result, my credit scores have increased and she reviewed my credit report to ensure all information was accurate. I am so grateful and thankful for my experience with Mrs. Payne and the relationship that stemmed from our interaction. I owe much gratitude to Mrs. Payne, she’s truly a BLESSING!! I highly recommend Mrs. Payne for your financial services.

-J. Pretty

Mrs. Payne. I just want to thank you, thank you, thank you! You really worked hard with me. You had your work cut out! I would not have gotten my loan with out you, you were determined to bring my credit rating back up and you did!  I commend you for your service. I have already recommended you to other family and friends. I need help again I will be turning to you. 

-C. Randall

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