Welcome to Life 101
Counseling & Education Service

MISSION STATEMENT

Our focus is for you to have LIFE and LIFE more abundantly through basic financial wisdom. We purpose to provide excellent customer service and treat people how we want to be treated. We also purpose to provide Godly counsel in the area of your everyday financial maintenance, so that you may have the assurance that your name means excellence when others view your financial history.

The Power of a good name and the Power of being a good steward over your finances is important.

Member, Better Business Bureau
Bonded and Licensed Broker


We are NOT  affiliated with consumer credit counseling

LIFE 101 | WHY COUNSELING | APPLICATION | CLASSES | CONTACT US | DIRECTIONS | GIFT CERTIFICATES



LIFE 101 is a Counseling and Education Service
We provide classes and personal consultation in the following areas:
Credit restoration and rebuilding, budget and debt management, Mortgage loans for home purchases and refinancing, pre/post Homeownership, Identity Theft and other basic financial areas.

Office Hours
By appointment only Monday thru Thursday, closed Friday

Contact Information

Life 101 Counseling and Education Service
PO Box 3
Butner, NC 27509

(919) 641-0925 phone
(919) 575-5874 fax

Allison Fletcher, Owner/Consultant
(919) 641-0925
life101basic@aol.com

Zeb Evans, Jr. ,  Consultant
(919) 697-0893
evans1964@aol.com

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Why you should consider basic financial counseling?

Most people know very little or nothing about basic finances, and this affects their lives.

If you are worried about paying your  bills, it is difficult to focus on your work or any other area in your life. Poor credit also effects your ability to get a job, insurance, etc. Financial health is such an ignored issue, and if you do not acknowledge how personal financial issues affect your life,  you overlook a vital cost component.

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Requirements and Application

CONSULTATIONS MUST BE PAID IN CASH OR MONEY ORDER ONLY.
IF YOU PAY IN CASH PLEASE HAVE EXACT CHANGE

NO PERSONAL CHECKS ACCEPTED

  • You must complete an application. For credit consultations a credit report is  required. If a lender or creditor has pulled your report you must have them release it to us. You can also obtain a credit report from myfico.com or annualcreditreport.com It is recommended you order from all 3 bureaus.
  •  In order to schedule a consultation a portion of the consultation fee will have be paid upfront so that we can reserve you a time slot.
  • We  WILL NOT schedule any appointments until  the consultation fee has been received
    (This portion of the fee is non-refundable if you don’t keep your appointment)
  • The balance will be collected at the time of your consultation or you can pay for the consultation in full at the time of scheduling.
    Contact office for fee details.
  • We also offer telephone consultations contact office for details
  • If you desire an amount more than 3 weeks out you must pre-pay the entire fee for the appointment
    and the fee is non-refundable if you do not keep the appointment.

*Friday and Saturday appointments have to be pre-paid in full before scheduling an appointment and is non-refundable if you do not keep the appointment.

  • Please bring your  Drivers License and Social Security Card to the appointment for identification purposes.
  • All information provided to LIFE 101 by you will be kept CONFIDENTIAL, however if we are working on your behalf
    We will provide some information to your creditors.

*If you decide to utilize our services, please make sure it is in your budget to do so.

*Please keep in mind that if you enroll in our credit restoration services, that it requires a commitment from you, and that this is not a quick fix process that include unethical practices.

There is a 3 day right to cancel for our services, terms are explained in the service agreement.

APPOINTMENT POLICY
We remind all our clients  to be considerate of time and other LIFE 101 and other clients desiring an appointment, please try to keep the appointment. 
Please be on time for the appointment, we recommend you arrive at least 5 minutes early.
All consultations are up to 1hr and because we have clients scheduled after you, it is important we don’t run appointments over due to late arrivals, The clock WILL start at your set appointment time.
Please call if you are running late.

*A 48 hour notice is needed if you are canceling, if you cancel you will have to pay your consultation balance in full before we can  re-schedule another appointment, if you cancel again, you will have to pay for another consultation before we can schedule you another appointment. If you cancel the day of your appointment you will have to pay an additional $25 missed appointment fee plus consultation fee balance before we can schedule you another appointment. If you fail to cancel and do not show for the appointment, you will have to pay for the missed appointment in addition to the new appointment before we can schedule you another appointment. The fees are non-refundable.

We reserve the right not to offer services. Please contact our office with questions.

Download the application here

you will need Adobe Acrobat to view the document download Adobe acrobat

Gifts
off 1 session

 

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KNOWLEDGE IS POWER CLASSES

 

CREDIT 101 (3hrs)
Restoring, Rebuilding and maintaining a good credit record.

Understand a credit report
Understanding the importance of good credit
Fair Debt Collection
Credit and Your Consumer Rights
How to Dispute Credit Report Errors
Credit Scoring
Cosigning a Loan

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ID Theft (3hrs)
Prevention

What To Do if  your ID Is Stolen
How Not To Get Hooked By a ‘Phishing’ Scam
Pretexting
Fraud-Recognize, Report, and Stop it
Take Charge-Fighting Back Against ID Theft
Viewing of a DVD-Outsmarting the Crooks

Mortgage 101 (3hrs)
Before and After Closing on Your Home

-Borrowing-What You Don’t Know Can Hurt You
Looking For the Best Mortgage
Mortgage Discrimination
Putting Your Home on the Line Can Be Risky Business
Understanding Adjustable Rate Mortgages
Mortgage Settlement Cost

Please contact our office if you are interested in a class or a personal consultation and we will provide you with a schedule and the cost.

We also provide classes for employers and other groups.

Thank you in advance for your business and referrals!  

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