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Credit & Debt ManagementEducational Seminars for Consumers and ProfessionalsConsultations

Credit & Debt Management

Learn to manage your credit and debt today. Please email or call for information.

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Educational Seminars for Consumers and Professionals

Learn how to understand your credit.

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In one hour learn how to manage your money and prepare for the future.

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Chaffin Financial has partnered with Nakata Consulting to provide you with the absolute best in customer experience. Whether you need credit assistance, financial guidance or tax work, between our two companies we have over 30 years in the industry. Below please find a bit about each of us!


Casey L. Chaffin

As a female business owner in the financial industry I know what it takes to work hard and prove myself daily. I have spent the last decade studying the law in regards to FDCPA, FCRA, 93A and more. My goal is to help those understand their rights in this society and learn to stand up for themselves.



I received my degree in psychology from Union College with minors in history and women’s studies. Graduated with National Honors, Phi Alpha Theta and Psi Chi. This course of study has allowed me to understand those who have experienced difficulties in their lives and be able to relate to them in a way where they can benefit from my knowledge and expertise. This also allows for the base of a great long term relationship with my clients.  My goal is to understand you. I want to know how to make your life easier whether it relates to your current finances, long term financial goals or past difficulties.


On a Personal Note…

I am not very good at “sugar-coating”. If you are looking for someone to support all of your decisions and hold your hand we will not be a good fit. If you are looking for someone to tell you how it is, teach you how to protect yourself, be there for you when needed and tell you if your options are financially sound then absolutely get in touch! I want you to succeed and I will help you do so.


Joe Carreiro, Jr.

Let me introduce myself….

I have always seen myself as a person who is not about fancy clothes or fancy things. I come from a blue collar Portuguese family. My grandparents were first generation immigrants who worked hard at many jobs to earn a living wage. My father was a teamster, and worked as a laborer his whole life. Me, I grew up in a blue collar city, (Somerville, Massachusetts), and have tried hard not to forget my roots.

It may sound cliché, but I am a “people person,” who enjoys working as part of a team and works to make a difference in the world.


I graduated from University of Massachusetts-Boston in 1992 and obtained my law degree, (J.D.), from Franklin Pierce Law Center, (University of New Hampshire Law School),  in Concord, New Hampshire in 1996.  Neither of these schools may be high profile (again, I’m not about the fancy stuff), but both introduced me to people, ideas, values, and experiences that I would not trade for anything. When I think of where I came from, and where I chose to gain my education, I consider them priceless.

Law Experience

After law school, I began a solo law practice, working in the Probate and Family Court(s); performing buyer and seller purchase and sale & conveyancing work , (including performing real estate title examinations and resolving title issues); individual and small business income tax planning and preparation; and lastly working with individuals representing them before administrative boards, such as the United States Citizenship and Immigration Services, the Social Security Administration and the Internal Revenue Service.

Later, I continued work as a sole practitioner, focusing my practice in real estate and immigration law and developed my elder-disability law and estate planning practices in both Massachusetts and New Hampshire.  I also served as a guardian ad litem for the Massachusetts Probate & Family Court, as an investigator, reviewer and court-appointed fiduciary.

These experiences, too, reminded me of what I wanted to do: work as part of a team and and make a difference in the world.

Making a Difference

In 2008, I left the practice of law. I had lost my way, and although it took a lot of soul searching to discover it, I realized that I forgotten many of the reasons I went to law school and more importantly, the ideals which inspired me in that decision.  I began a business to develop and implement a broad spectrum of services as a consultant and advocate for small businesses and families.  In forming Nakata Consulting, my mission became to serve others by offering solutions, strategies, and support.

Through implementing and developing customized strategies for individuals and small businesses, I work to build relationships in a world that is increasingly impersonal and transactional.

Contact Us

We guarantee a response within two business days. Consultations rates: $40.00 for a one hour time period. Payments are due after all questions and concerns are addressed and can be […]

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Financial Advisory

With the exception of parents and an economics course or two there is very little education out there to help you understand how to manage “your” money. Each individual is […]

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Chaffin Financial is focused on offering financial management for anyone in need no matter your situation or income level. We are here to listen and help guide you through any […]

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INDIVIDUAL/JOINT Like most individuals you’ve likely filed your own taxes or gone to one of the larger companies who set up shop down the street for a few months each […]

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