Breaking Chains Inc. provides personal and professional Housing Counseling and Financial Literacy Service. Breaking Chains Inc. provides Greater Cleveland, Ohio residents with pre-purchase counseling, post-purchase counseling, and Foreclosure Prevention Counseling services. We have a staff of Neighbor Works Certified Counselors and we are HUD approved. Our financial counselors are committed to providing Housing Counseling and Financial Literacy to individuals and businesses. We are a nonprofit organization built with a thorough understanding of the issues and individual needs. We focus on strengthening and stabilizing the financial well-being of our Greater Cleveland community, neighborhoods, and individuals. Breaking Chains Inc. has serviced over 20,000 individuals and families in reaching their goals for home ownership with a success rate of 75% since 2002. Over the years, Breaking Chains Inc. has recognized the increased need and demand for Housing and financial literacy counseling for new homeowners, renters, and businesses alike. We also recognize that our senior population will soon be the largest population and it is important that they are able to financially support themselves so that they are able to live comfortably in place. Breaking Chains Inc. is focused on providing personal and professional service. With our continued dedication, we realize that this need exists for many young adults and students as well. We will do everything we can to meet your expectations.

1. MoneyMatters:
Financial Literacy Education
Make Sense of Your Dollars and Cents
Jackie Huggins-Jones
Founder & Executive Director
Breaking Chains Inc.
23300 Chagrin Blvd Suite 201
Beachwood, OH 44122
Tel: (216) 464-0699 | Fax (216) 464-0441
e-mail address: contact@breakingchainsinc.org
Breaking Chains Inc.
Money Management Services

2. Let’s Break the “Cycle”
Breaking Chains
Inc.
Money Management Services
Financial Education
What We Do?
Breaking Chains Inc. is a nonprofit organization
that provides personal and professional Housing
Counseling and Financial Literacy Services to
the Greater Cleveland, Ohio area.
Our Goal:
Our goal is to “educate” our clients on
developing money management skills,
developing short and long range goals, and
building and/or developing savings in preparation
of homeownership.
Our Mission:
To provide professional service with solutions to
meet the client’s personal and professional
needs and goals.
Our Intention:
To educate our clients so that they will
understand debt and how to manage it.
We are about people and want to help break the
cycle of being enslaved to debt.

3. Let’s Break the “Cycle”
Breaking Chains
Inc.
Money Management Services
Our Services
Services We Offer?
• Pre-purchase Counseling
• Post- Purchasing Counselling
• Foreclosure Prevention Counselling
How are we different:
• Staff of Neighborhood Works Certified
Counselors
• HUD Approved Agency
• Top Housing Counseling Agency for the 6th
Consecutive Year by The Ohio Housing
Finance Agency

4. Let’s Break the “Cycle”
Breaking Chains
Inc.
Money Management Services
What Our Clients Say…
Keeping Me Off the Ledge…
I just wanted you to know that I paid the rest of my
closing cost $547.07… I shed some very happy tears
and I am very excited. Thank you for helping me
achieve one of my goals and making this a very
pleasurable experience. – T. Cooper
Making a Difference
Dear Jackie, Not only do you care for others, you reach
out to help them too. “Thank you” for making a
difference, especially in my life. – Leola & Scottie
Thank You and God Bless You Always
I am sure things will work out in my finances. I am
looking forward to moving into my home. You have a
“great” and helpful program. – Darleene R.
I Never Used a Budget
I found myself living from payday to payday. I went to
Breaking Chains Inc. for budget counseling. I was not
aware of the mount of money I was spending until I
started receiving counseling with Breaking Chains Inc.
Thank you for helping and showing me another way.
Sincerely, Donna K.
Getting Credit on Track
Mrs. Huggins-Jones, I want to thank you for helping me
get on course with my credit. Over the past 17 months, I
have reduce the number of credit cards to just one major
credit card. I’ve learned to live on a budget and I have a
credit score that is over 700. I am now ready to purchase
my first home… Thank you so much. – J. Berry
First-time Home Buyer
Dear Mrs. Huggins-Jones, About six years ago you and I
sat together and you helped me budget my money and
resources to purchase my first home. We made a
connection and kept in touch for a period of time
afterwards. Since that time I am not only still applying
the principals you taught me to my every day life, but I
recently earned a B.S. in Management from Indiana
Wesleyan University, and my credit score is steadily
increasing (God is GOOD!). I don’t know if you
remember me, but I wanted to thank you for sowing into
my life. Please let me know if there is anything I can do
to help you with your business/ministry. I shall never
forget you. – T. Priest

5. MoneyMatters:
Financial Literacy Education
Thank You!
Contact Us With Your Questions or Comments
Breaking Chains Inc.
23300 Chagrin Blvd Suite 201
Beachwood, OH 44122
Tel: (216) 464-0699
Fax (216) 464-0441
e-mail address: contact@breakingchainsinc.org
Breaking Chains Inc.
Money Management Services