Virtual Financial Counseling​
2201 S WS Young Dr
Suite 106-C
Killeen, TX  76543
Phone: 254.245.6248
​Fax: 254.651.1131

Now is the time to  take control
of your Finances!  Are you ready?

We are providing free counseling sessions to transitioning Servicemembers and Veterans*!!!


Budget Counseling

Provide comprehensive review of spending habits and identify the emotions that influence those habits.  Provide client with detailed budget of income and expenses.  Provide recommendations to maximize income and eliminate expenses. Calculate and discuss debt to income ratio.

Credit Report Review Counseling

Provide a review of each credit report trade lines.  Provide client with assistance with dispute of negative trade lines.  Calculate and discuss indebtedness ratio.

Security Clearance Counseling

Provide client assistance with developing a response for their security clearance review.  The response is specific to financial matters only.  Assistance consists of working with creditors to negotiate a payment arrangement or settlement for debt.

Home Buying Counseling

Buying a new home can be exciting and stressful process.  Our office will assist you in preparation of buying your new home by working with you to set a financial foundation for your new home.  Discussion on debt to income ratio, credit score requirements and payoff strategies are all part of the counseling session.  Counseling is also available for re-financing, loan modifications, short-sales, deed-in-lieu and foreclosures.  Sometimes we don’t fully understand what is required of us as consumers who may be in trouble with paying our mortgage.  We assist our clients with every step of the process to include preparing financial statements and writing support/hardship letters.

Student Loan Counseling

Assist client with creating student loan inventory. Discuss various types of repayment programs offered for both federal and private student loans.  We understand that student loans can be sold from one servicer to another.  In addition, if the student loans goes into default, finding out who the new owner of the debt can be even more challenging.  We provide our clients direct support in dealing with third party debt collectors and strive to ensure repayment arrangements are affordable.

Car Buying

Ensure clients are financially armed with information before they execute a deal to purchase a new or used car.  Discussion on affordablity, insurance and maintenace.  

Saving and Investing Counseling

Clients are provided financial literacy to help educate and clearly identify and explain savings and investment vehicles based on their risk tolerance.  VFC does not accept monies for investment purposes.

Identity Theft

Identity theft is a rising white-collar crime.  The process of undoing the damage caused by identity theft can traumatize clients who are victimized.  We walk clients step-by-step through the process of getting their identity.  We provide support in getting police reports filed, filling out a filing affidavits and assist with blocking the trade line on the clients credit report.

Debt Liquidation (Management) Counseling

Clients who want to create a strategy to eliminate debt can benefit from this counseling.  The client is provided with several debt liquidation analyses.  The client selects a plan that is in their best interest.  Note that if debt to income ratio is significantly high the client may be referred to alternatives such as a debt management plan or bankruptcy.


VFC is available to provide seminars on any of the above topics for small or large groups.

Consumer Services

Sometimes consumers experience bad transactions and do not know where to turn to get help.  Depending on the client’s situation there may be an array of resources available to assist the client in finding a resolution.

Notary Public Services

Provide clients mobile services to do acknowledgments, protest instruments permitted by law to be protested (primarily negotiable instruments and bills and notes), administer oaths, take depositions, and certify copies of documents not recordable in the public records.