Sylvia A. Watford

 

Sylvia A. Watford is committed to assisting members of BayPort Credit Union to effectively manage their finances. She has over 10 years of experience in the financial services field working as a loan officer, manager, and financial advisor.
She assists members by providing financial educational workshops and individual financial counseling. Her passion is to empower individuals to make sound financial decisions.

Sylvia holds the Accredited Financial Counselor designate and is a graduate of Virginia Tech.

• Who Should See A Financial Counselor?
• When Should I Seek Financial Counseling?
• How Can I See The Financial Counselor?
• Financial Trouble Warning Signs!

Who Should See A Financial Counselor?

Anyone who is ready for change, wants help making changes, or does not have a good workable spending plan.

Also:

• If you need help establishing a budget
• If you are having problems paying your bills
• If a debt consolidation loan is in your best interest
• If you can afford buying a home or auto
• If you need help understanding or correcting your credit report
• If you are past due on mortgage or auto payments
• If you need help paying taxes
• If you are considering filing bankruptcy

When Should I Seek Financial Counseling?

Most people think they should seek counseling only when they are in financial trouble. The truth is: people should see a counselor to avoid getting into financial trouble. It is much easier to learn how to avoid disaster than how to dig out from under it.

How Can I See The Financial Counselor?

Appointments can be scheduled Monday - Friday between the hours of 9:30 am - 3:45 pm. Call 757-928-8896 or email. You may be given a Financial Statement to complete prior to your individual appointment. During your appointment the counselor will discuss your options and assist you with a plan to make changes in order to reach your goals.

Financial Trouble Warning Signs!

• Unable to pay routine bills
• Missing payments or paying bills late, including a mortgage
• Paying minimum amounts on credit cards balances
• Failing to open, read, and respond to mail
• Borrowing from one credit card to pay another
• Borrowing for scheduled yearly expenses (such as taxes, insurance, school expenses, vacations, Christmas, etc.)