By Cindy HolbrookReal Estate Plus Editor
Does the dream of owning a home seem impossible? Are you struggling to make ends meet? Are your bills bigger then your paycheck? Are you only able to make the minimum payments on your credit cards?
Consumer Credit Counseling Service (CCCS) a local, nonprofit credit counseling agency, can help you solve your credit and debt problems. Our certified credit counselors can show you how to take control of your money and achieve your financial goals. Consumer Credit Counseling Service is a program of Lutheran Social Services of Mid-America and a member of the National Foundation of Credit Counseling.
Debt Management Program - Get out from under you financial burdens and set a course for a debt-free future through our Debt Management Program. The first step is to contact us by phone, email or website. We will send you a worksheet to complete, which includes your income and expenses, and a list of your creditors. Then contact us for an appointment. At your confidential appointment, a certified counselor will complete a budget assessment by reviewing your income, expenses, and debt levels. They will assist with identifying problems and the need for appropriate referrals. You may find that assistance with financial management is all you need to get back on track.
However, many people find they will benefit from our Debt Management Program, where we work with creditors to reduce monthly payments and interest to affordable levels until your debt is paid in full. As the only local credit counseling agency in the Miami Valley, you have your choice of in-person, telephone, or internet counseling. So, if you feel you are getting overextended, give us a call. We can’t help you if you wait too long.
Credit Report Reviews - Uncover the mystery of your credit report. These confidential sessions will explain your credit report, help you identify and address any problems and show you how to protect yourself from identify theft.
Consumer Education Programs - Learn more about a wide variety of consumer financial topics through our educational programs. A large selection of classroom and community presentations covering topics like budgeting, credit, debt management and banking basics is available.
Default Mortgage Counseling - Bring your mortgage up-to-date and keep it that way. Through individual counseling sessions we’ll help you explore all the possible solutions to prevent losing your home and analyze your cash flow to see how your income stacks up against your expenses. We’ll try to negotiate a solution with your loan provider. And we’ll help you prioritize your debts to avoid a situation like this in the future.
Springfield Office - Consumer Credit Counseling Service, 204 N. Fountain Avenue, Springfield, Ohio 45504, 937-325-2898 or 1-800-377-2432. Website: www.cccsmv.org.
The above information was provided by Consumer Credit Counseling Services of Miami Valley.
USDA Funding
U.S. Department of Agriculture (USDA) offers an exciting loan option in mortgage financing for eligible home loans: NO DOWN PAYMENT HOME LOANS. The loans are provided through USDA©ˆs Rural Development Program, and are available to purchase homes located in rural areas. Also, with the USDA loan program, your monthly payment may be subsidized, lowering your monthly payment and increasing the loan amount for which you are eligible. The objective of the program is to help lower income families or individuals who do not qualify for a home loan through conventional financing. This allows people to purchase a home now rather than later or in some cases, never. With the use of these no down payment loans and the payment subsidy, thousands of families who could not afford a home through conventional lenders now enjoy owning their own home. For further information, please contact the Hillsboro Office USDA Rural Development at 514 Harry Sauner Road, Hillsboro, Ohio 45133, or at (937) 393-1921.
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