Almost everyone experiences some financial problems during their adult life. Just a short time without a job, losing a spouse's income, taking on too much debt, depleting savings during an illness or even starting a family could be the trigger that makes paying bills on time almost impossible.  If you're struggling with debt, we're here to help!

Self Evaluation

If you’re not sure whether or not you would benefit from professional credit and debt counseling, take this brief self evaluation.

  1. Has it been more than three months since you’ve paid more than the minimum amount due on your credit card bills?
  2. Are money issues causing stress and/or conflict at work or at home?
  3. Have you recently taken cash advances — or borrowed money — to repay another debt?
  4. Have you recently missed one or more required monthly payments?
  5. Have you found yourself applying for new lines of credit because your current credit cards are maxed out or near your credit limit?
  6. Have you considered taking money from your retirement account to satisfy your debt obligations?
  7. Would a sudden reduction in income be devastating financially to you and/or to your family?
  8. Have you recently received phone calls or collection notices from creditors regarding overdue bills?
  9. Are you using more than 20% of your take-home income to pay non-mortgage debts?
  10. Do you find yourself needing to use credit cards for everyday expenses like gas and groceries?

If you answered “yes” to one or two of these debt evaluation questions, a call to a GreenPath counselor now could help you avoid major financial difficulties in the future.

If you answered “yes” to three or more of these debt evaluation questions, it's critical that you call GreenPath today at 888-860-4220. You need a plan and we can help.

Look for patterns and be aware.  If it is something temporary, don’t panic.  If it is more serious, be honest with yourself and seek financial advice.  A financial counselor can provide a thorough analysis of your family's personal finances which will help you assess how much trouble you're in and how much help you need.  For many people, a financial counselor can help them get organized and lend support.  For members that need more personal assistance a Debt Management Program can help.

As an ACMG member, you can take advantage of the GreenPath program, a free financial education and counseling program.  GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at

(Try our free customizable Budget$mart program for members who wish to track and plan spending.)

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Contact a Counselor

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Main Branch: ACMG Federal Credit Union
1753 Milton Ave. Solvay NY 13209
(315) 488-4433 or (800) 634-9239

Federally Insured by NCUA