Tag Archive: Counseling

Free credit card debt analysis, free credit counseling.#Free #credit #counseling

Christian Credit Counselors

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    How our program can help with credit card debt.

    With our Debt Management Program we offer you a manageable plan and strategy to get out of credit card debt – for good.

    Debt Amount: $42,619

    Without Christian Credit Counselors

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  • BALANCE Financial Fitness Program, free credit counseling.#Free #credit #counseling

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    For our business partners, please click the button above to access your detailed monthly reports.

    About Partner Reports

    We’re a financial education and counseling service committed to helping individuals and families nationwide take control of their finances and reach their goals. On this site, you ll find information about what we do, who we are and how we can help you master your money. You may also want to check out our financial education center for articles on a wide variety of credit and financial topics, and a full suite of other online tools and resources.

    By partnering with organizations that assist us in promoting our services to millions of Americans, we develop and implement financial solutions to empower individuals and families to avoid bankruptcy, make informed spending choices, increase savings, and reach goals of home ownership, running a business, funding college education, retirement and more.

    For clients participating in a debt and money management counseling session, you can download the client worksheet, Personal Financial Assessment.

    Learning about money is as important as earning it. Just about everyone could learn more about how to manage income, handle a budget, and read a credit report. Learn more.

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    Non Profit Credit Counseling, Cambridge Credit Counseling, credit counseling agencies.#Credit #counseling #agencies

    Consumer Credit Counseling Services from a Trusted Non-Profit

    Get a FREE consultation for any of our non-profit services:

    Credit counseling agencies

    Credit Counseling

    Credit counseling is a FREE service that we offer to consumers who are looking to find ways out of debt. Our consumer credit counseling professionals are nationally certified debt experts who will perform and in-depth analysis of your financial situation to help identify ways for you to save money and get out of debt.

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    Debt Consolidation

    Debt Consolidation is a safe, effective way to responsibly pay your credit card debt. You’ll make one simple payment every month and we’ll pay your creditors, all while saving you time and money. Our clients see average interest rate reductions of 64%, reducing their monthly payments by around 25%.

    Credit counseling agencies

    Housing Counseling

    Cambridge is approved by the Department of Housing and Urban Development (HUD) to provide housing-related services throughout the country. Our housing counseling services include foreclosure prevention, rental counseling, first-time homebuyer courses, and post-purchase housing counseling.

    Credit counseling agencies

    Student Loan Counseling

    Student loan debt has surpassed credit card debt and is now ranked #2 in terms of debts that Americans are holding, second only to mortgage debt. Our student loan counselors will review your entire financial profile, including your federal student loans, and work with you to find an affordable solution.

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    Reverse Mortgage Counseling

    Many seniors are looking to reverse mortgages to help them through their golden years. Our certified reverse mortgage (HECM) counselors are here to ensure that seniors fully understand all aspects of the reverse mortgage so that they can make an informed decision. Counseling is required for HECMs.

    Credit counseling agencies

    Bankruptcy Counseling

    Cambridge is approved by the U.S. Justice Department’s EOUST to offer the educational courses that consumers need in order to file and complete a bankruptcy petition. Before filing, consumers must first complete the pre-filing course and must complete the post-filing debtor education course to get a certificate.

    Find out how fast you can get out of debt and how much you can save!

    Call (800) 235-1407 or complete the form below to get started!

    Schedule Your FREE Debt Consulation With a Certified Counselor Now!

    At Cambridge, our goal is to get you out of credit card debt fast, with as little cost to you as possible. Our Debt Consolidation services allow you to make just one simple monthly payment for all of the debts you include on our program.

    By enrolling in our program, our typical clients enjoy average interest rate reductions from 22% down to 8%, saving them an average of nearly $150 every month. These reductions help our clients to get out of debt in just about 50 months. Other benefits of our debt consolidation services include brining past-due accounts current and the elimination of certain late or over-limit fees.

    Please complete the form below to schedule your FREE Debt Analysis now. We will never share your information to anyone, for any reason, ever!

    Other ways to reach us

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    Our Top Financial Literacy Articles

    Our main goal here at Cambridge is to spread financial education and increase financial literacy.

    Below are our most popular articles:

    Credit counseling agencies

    Financial Stress and Your Health

    Financial stress can have major effects on your health. Stress, in general, can cause heart attacks, strokes, and many other serious health issues regardless of the source. Learn about the effects of financial stress on your health and what you can do to prevent or reduce it.

    Credit counseling agencies

    Credit Card Minimum Monthly Payments

    A ‘minimum monthly payment’ is the lowest amount you can pay toward your monthly credit card bill in order to keep the account current. However, too many of us make JUST the minimum monthly payment. Learn why that’s not the best way to pay down your credit cards.

    Credit counseling agencies

    What is a Credit Card Charge Off?

    We’ve all heard the term “charge-off”. What exactly does it mean to have an account charge-off? How bad is it really? Do we still have to pay a charged-off account or does the debt eventually “go away”? When exactly does an account charge-off? We’ll teach you the basics!

    Credit counseling agencies

    Teaching Kids the Value of Money

    In general, kids have little to no concept of money. Why is that? Because, in a majority of America’s schools, financial literacy is not a core topic. It’s our responsibility as parents to teach our kids the value of money as early as possible. Here are some things to discuss with your kids.

    Credit counseling agencies

    What is Credit Counseling?

    Credit counseling has been around for decades, but today’s credit counseling agencies are held to a much higher standard than those that were around in the 1960’s. Learn the benefits of credit counseling, the history of the profession and how it’s evolved over the years.

    Credit counseling agencies

    Creating a Household Budget

    One of the first things that a certified credit counselor will do when speaking to a consumer is to work with them to create a household budget. Why? Because having a budget helps to keep your spending in-check and build up your savings. In this article, we’ll teach you how to get started.





    The Foreclosure Fraudsters, Co-conspirators – ROBO-Signors, abacus credit counseling.#Abacus #credit #counseling

    Contact information for some bank CEOs:

    Nationwide Title Clearing will manufacture any document to cover-up the title fraud problems.

    Abacus credit counselingFORENSIC AUDITS

    of County Land Records

    Abacus credit counseling FORENSIC EXAMINATION OF ASSIGNMENTS OF MORTGAGE RECORDED DURING 2010 IN THE

    ESSEX SOUTHERN DISTRICT REGISTRY OF DEEDS John O’Brien, Assessor-Recorder

    Abacus credit counseling FORECLOSURE IN CALIFORNIA: A CRISIS OF COMPLIANCE Phil Ting, Assessor-Recorder (2012)

    Christina Allen – Lender Processing Services Liquenda Allotey – Lender Processing Services Christine Anderson – Lender Processing Services: now appropriately called Black Knight Financial Services, a subsidiary of Fidelity National Financial Inc.

    Scott Anderson – Ocwen and Residential Loan Servicing

    Patricia Arango – Marshall C. Watson law firm (CONTRADICTS CONGRESSIONAL TESTIMONY OF

    China Brown – Wells Fargo (Piwinski case)

    Bryan Bly – Nationwide Title – Video Deposition Part 1, Part 2

    Deborah Brignac Forgeries – Deutsche Bank, Washington Mutual, Long Beach Mortgage, California Reconveyance,

    JPMorgan Chase, Fidelity

    Whitney Cook – JPMorgan Chase

    Beth Cottrell – JPMorgan Chase

    Margaret Dalton – JPMorgan Chase

    Dhurata Doko – Nationwide Title – Video Deposition Part 1, Part 2

    Alfonzo Greene – Lender Processing Services

    Laura Hescott – Lender Processing Services

    Barbara Hindman – JPMorgan Chase

    Bethany Hood – Lender Processing Services

    Pat Kingston – EMC Mortgage

    Cecelia Knox – Lender Processing Services

    Margie Kwiatanowsk – GMAC

    Topako Love – Lender Processing Services

    Crystal Moore – Nationwide Title – Video Deposition. Part 1, Part 2, Part 3, Part 4

    Noemi MoralesOcwen – Signs for Scott Anderson. Notary stamp was expired when she signed many documents.

    Erica Johnson-Seck– Indymac The corporations for which she had signing authority included the FDIC as

    conservator for IndyMac. She’s now a vice president in Austin, Texas,

    for OneWest Bank, which bought IndyMac from the FDIC.

    Stanley Silva – Ticor Title: Notice of Defaults, LPS, Fidelity, MERS, Wells Fargo

    Jodi Sobotta – Lender Processing Services

    Stacy Spohn – Chase Home Finance

    Jeffrey Stephan – GMAC Highlights by Lynn Szymoniak

    Jeffrey Stephan – Motion for Relief GRANTED – Attorney Fees Awarded on Affidavit Made in Bad Faith

    Eric Tate – Lender Processing Services

    Christina Trowbridge – JPMorgan Chase

    Rhonda Weston – Bank of America: Is one of 10,000 listed vice presidents for Bank of America and had signed

    legal documents allegedly not in the presence of a notary public and without reading the document.

    Amy Weis – Lender Processing Services

    Rick Wilken – Lender Processing Services, EMC Mortgage, MERS, HSBC, JP Morgan Chase

    From attorney Lynn Szymoniak of Fraud Digest

    To assist JPMorgan Chase , Fraud Digest suggests that it dismiss those actions where the Affidavits or Mortgage Assignments were signed by the following robo-signers: Beth Cottrell, Whitney Cook, Christina Trowbridge and Stacy Spohn from the Chase Home Finance office in Franklin County, OH; Margaret Dalton and Barbara Hindman from the Jacksonville, FL office of JPMorgan Chase;

    and any of the Lender Processing Services robo-signers from the Dakota County, MN office including Christina Allen, Liquenda Allotey, Christine Anderson, Alfonzo Greene, Laura Hescott, Bethany Hood, Cecelia Knox, Topako Love, Jodi Sobotta, Eric Tate, Amy Weis and Rick Wilken.

    In particular, JP Morgan Chase should look at those cases where the bank has supposedly assigned mortgages to WaMu , WMALT , Long Beach Mortgage Company and NovaStar trusts years after the closing dates of these trusts. The number of questionable or fraudulent documents is likely to be much closer to 560,000 than to 56,000, and that will only be a good beginning. – Attorney Lynn Szymoniak





    Christian Credit Counseling, Debt Consolidation, Credit Counselors, christian credit counseling.#Christian #credit #counseling

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    Providing trusted Christian Credit Counseling since 1990

    Christian Credit Counselors has helped over 300,000 people get out of debt over the last 20 years. Christian Credit Counselors is a non-profit organization that was created to help individuals and families regain control of their finances through the use of educational tools, credit counseling, debt management, and other resources. Our Certified Credit Counselors provide superior services to both our clients and their creditors.

    Are your interest rates too high?

    Need help creating and maintaining a budget?

    Apply Now to let one of our Christian Credit Counselors see what option is best suited to meet your individual needs, goals and circumstances. With a FREE consultation, they will help develop a personal plan and strategy to help you get to your goals and dreams!

    Lower Interest Rates * Lower Monthly Payments * Stop Creditor Calls * Eliminate Fees * Peace of Mind * Wont effect Credit





    Christian Credit Counseling, Debt Consolidation, Credit Counselors, credit counseling.#Credit #counseling

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    Providing trusted Christian Credit Counseling since 1990

    Christian Credit Counselors has helped over 300,000 people get out of debt over the last 20 years. Christian Credit Counselors is a non-profit organization that was created to help individuals and families regain control of their finances through the use of educational tools, credit counseling, debt management, and other resources. Our Certified Credit Counselors provide superior services to both our clients and their creditors.

    Are your interest rates too high?

    Need help creating and maintaining a budget?

    Apply Now to let one of our Christian Credit Counselors see what option is best suited to meet your individual needs, goals and circumstances. With a FREE consultation, they will help develop a personal plan and strategy to help you get to your goals and dreams!

    Lower Interest Rates * Lower Monthly Payments * Stop Creditor Calls * Eliminate Fees * Peace of Mind * Wont effect Credit





    Credit Repair Service: Key Credit Repair, free credit counseling.#Free #credit #counseling

    Negative Credit Scores Affecting Your Life?

    Our #1 Rated Credit Repair Service Will Increase Your Credit Scores Fast With Transunion, Experian and Equifax. Join Our 30,000 Happy Clients Today And Start Living The Life You Want!

    • BBB #1 Rated in the Nation
    • No Contracts or Upfront Fees
    • Results Within The First 30 Days

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    Key Credit Repair removed all of my negative records and i have only been with them for 2 months.

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    A Simple Program To Improve Your Credit Scores

    Improving Your Credit Score With Us Is Easy. Our Comprehensive Approach Means That We Do The Work And You Sit Back And Wait For The Results.

    • Clean Up Unlimited Negative Records
    • Results Within The First 30 Days
    • No Upfront Costs
    • No Contracts or Commitments
    • 24/7 Online Access & Credit Progress Tracking
    • 90+ Point Average Credit Score Increase In The First 90 Days
    • Equifax, Experian and Transunion Credit
    • Customized Action Plans Around Your Goals and Budget

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    What Our Customers Say

    Marianna, Boston Massachusetts

    Key Credit Repair removed all of my negative records and i have only been with them for 2 months. It’s an easy process as long as you follow the direction. Before Key Credit Repair I couldn’t get a credit card, now i can.

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    Diondra, Boston Massachusetts

    I was surprised by the results. It happened relatively quick and i never thought that i’d be in the situation where i’d have good credit.

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    Phillip, Boston Massachusetts

    Their services were incredibly helpful, i appreciated the work, time they spent with me. I appreciated their willing to explain what was happening to me and what steps they were going to take to assist me. We were successful.

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    Consumer Credit Counseling, Goodwill Industries of KYOWVA Area, Inc, free credit counseling.#Free #credit #counseling

    Consumer Credit Counseling

    Free credit counseling

    Whether it s mounting credit card or medical bills, your home is in danger of foreclosure or you simply need help with saving and budgeting, Consumer Credit Counseling Service, a division of Goodwill Industries of KYOWVA Area, Inc., offers counseling services designed to bring peace of mind to your financial situation.

    CCCS is a member of the National Foundation for Credit Counseling, the nation s largest and longest-serving national non-profit credit counseling organization. We are accredited by the Council on Accreditation, and are your local, reliable and reputable solution for alleviating the stress of your financial concerns.

    We average managing $1.7 million dollars of debt annually in our successful debt management plan program. Unlike frequently advertised and misleading debt settlement programs, our DMPs include a personal counselor who serves as mediator between you and your creditors, manageable monthly payments, reduce interest rates and cessation of collection calls. You make one monthly payment to CCCS, and we do the rest. We can help you avoid bankruptcy.

    Among the other services we offer clients are budgeting help and debt management plans. We also offer low-cost credit reports, financial education and pre- and post-bankruptcy counseling. Our counselors provide individual assistance with managing your money, examining current financial problems and education to prevent future difficulties. Many of our programs are available online, accessible from the comfort of your own home.

    Another area of focus for CCCS are our HUD-approved homebuyer education and housing counseling programs. We can help you navigate home buying criteria and mortgage readiness, as well as budgeting for home improvements, lessons in financial fitness and foreclosure intervention and default counseling, whether you are a first-time or repeat buyer.

    No matter where you are in your debt, we can help. Acknowledging the problem is the first step, calling CCCS is next. Contact us by phoning 304-522-4321 or 888-534-4387, or e-mailing [email protected]

    For a personalized assessment of your overall financial health click here. It s a FREE online quiz that helps you assess your financial life, and then suggests changes you could make to maximize your economic situation.

    To apply for credit counseling or debt management services, click here.

    For housing counseling, click here.

    Counseling in Motion, click here.

    For bankruptcy education, click here. For bankruptcy counseling, click here. Note: CCCS may disclose information to the United States Trustee. The United States Trustee has reviewed only CCCS s counseling/instructional services and no other services the agency may provide.





    GreenPath Financial Wellness, Debt & Consumer Credit Counseling, consumer credit counseling.#Consumer #credit #counseling

    Your Financial Health

    Regain control over your finances so you can pay bills on time, build a financial cushion, save for the future, and enjoy life without financial stress.

    Consumer credit counseling

    Credit Card Debt

    Worried about credit card debt? Explore options for paying off your debt. We may even be able to lower your interest rates and stop collection calls.

    Consumer credit counseling

    Debt Calculator

    How long will it take to pay off your credit card debt? How much will it cost? Compare paying on your own versus paying through a debt management plan.

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    Housing Services

    Concerned about your mortgage? Planning to buy a house? Considering a reverse mortgage? Understand your options so you can make an informed decision.

    Since 1961, GreenPath has been empowering people to regain control of their finances — and their lives. Contact us today if you want to lead a financially healthy life.

    Call Us: 800-550-1961

    How We Can Help

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    What Our Clients Are Saying Rotate slide

    Consumer credit counseling

    “GreenPath helped us pay off more than $92,000 in credit card debt. You saved our lives financially. ”

    Jerry and Sue – Jackson, MI READ MORE

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    “We were in a deep hole with no way out and you brought us a ladder. It is wonderful what you do for your clients.”

    Tony and Peggy – Mishawaka, IN READ MORE

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    Their credit scores rose from the low 600s to 745 and 778 by the time they finished paying off their debt.

    Dawn and David – Buchanan, MI READ MORE

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    “GreenPath organized our finances, and we actually had more cash in hand each month after paying our bills.”

    Don and Carole – New York, NY READ MORE

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    “GreenPath has given me peace of mind. They were able to open the door for me in getting out of debt in five years, versus 25 or 30 years.”

    What to Expect

    Friendly service from degreed professionals

    Financial options with no sales pitch

    Customized budget and action plan

    Changing Lives

    Congrats to Katie for completing her debt management plan. Her story will inspire you!





    Consumer Credit Counseling Service of Rochester – Debt Counseling, Financial Education, Debt Rochester, NY, consumer credit counseling.#Consumer #credit #counseling

    Get A Checkup

    MyMoneyCheckup is a new tool for assessing your financial health. You tell us about your financial situation by answering simple questions. We help you understand how your finances are doing. GET STARTED

    You Are Not Alone

    You may owe money. You may be in over your head. But you are not alone. Most people with serious money problems do not intend to be in debt. Our certified counselors know this which is why you should know one of us. SAY HELLO

    Debt Management

    Together, we can assess your financial situation and work out more affordable payment plans with your creditors and create a budget that will allow you to repay your debt and start saving for the future. START NOW

    Foreclosure Prevention

    Facing the possibility of foreclosure can be frightening. You don’t have to face it alone. We offer confidential counseling that will help you to understand your options and assist you in resolving your situation. TAKE ACTION

    Consumer Credit Counseling Service of Rochester does a lot more than credit counseling

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    Events Workshops Consumer credit counseling

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    CCCS certified counselors will help you create a budget plan for handling expenses and the repayment of your current debt.

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    We’re here to help you build a more secure financial life by providing educational programs on handling money and credit.

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    Services for Seniors and People with Disabilities

    Tuition-Free Degree Program: The Excelsior Scholarship

    Recently, Governor Andrew Cuomo announced the Excelsior scholarship, which will provide tuition-free college at New York s public colleges and universities to families making up to $125,000 a year. Under the Excelsior Scholarship, nearly 80 percent, or 940,000 middle-class families and individuals making up to $125,000 per year, would qualify to attend college tuition-free at all CUNY and SUNY two- and four-year colleges in New York State.

    A regional breakdown of families who would be eligible for the program is available below.

    The new program will be phased in over three years, beginning for New Yorkers making up to $100,000 annually in the fall of 2017, increasing to $110,000 in 2018, and reaching $125,000 in 2019. Scholars must be enrolled in college full-time and average 30 credits per year (including Summer and January semesters) in order to receive the funding, however, the program has built in flexibility so that any student facing hardship is able to pause and restart the program, or take fewer credits one semester than another. Students are required to maintain a grade point average necessary for the successful completion of their coursework, and, as the program makes a major investment in the state s greatest asset our young people scholars will be required to live and work in-state for the same number of years after graduation as they received the scholarship.

    These initiatives build on the Governor s commitment to making college affordable for all students in the Empire State, including the nation-leading ‘Get On Your Feet’ Loan Forgiveness Program, which allows eligible college graduates living in New York to pay nothing on their student loans for the first two years out of school.

    Visit the website https://www.hesc.ny.gov to learn more about the Excelsior Scholarship and to be electronically notified when you may apply by entering you email address on the Excelsior Scholarship Alert for.

    Tips for Retirement

    Here are a few tips to consider at different phases of life to make sure you are on the right track to retirement readiness.

    If you’re in your 20s.

    How Many Credit Scores Do I Have?

    Often we hear from our clients that they checked their credit score through a free site such as Credit Karma and were shown a high credit score but.

    Getting out of Debt in 2017

    Getting out of Debt in 2017

    The holidays have come and gone. This time of year is a great time to think about goals for the new year. Make the com.

    IRS Phone Scams

    There are a number of different phone scams that are currently going on, including people claiming to be the Internal Revenue Service (IRS). These types of scams are normally very sophisticated and convincing. The scammer claiming to be from the IRS will know your name, possibly be able to recite the last four digits of your Social Security Number and may know other personal information. The scammer can even spoof the caller id to make the call appear to be coming from the IRS.

    With this kind of scam, the person claiming to be an IRS agent will claim that you owe back taxes and that you need to make a payment. If you refuse or ask too many questions, the scammer may become very aggressive and threaten their victims with jail time, lawsuits or even to revoke your driver s license. On the flip side, the scammer can also say you are due a refund to gain banking information. There are a few ways to know if the call is a scam.

    The IRS will never:

    Demand payment over the phone or ask for any type banking information: this could include prepaid debit cards, checking or savings account information, credit card numbers or for a wire transfer

    Ask for detailed personal information: This includes requests for PIN numbers and passwords, or access information for credit cards, banks or other financial accounts

    Reach out to anyone via email: – If you do receive an email, do not reply, open any attachments, or click any links. Forward the email as-is to the IRS at [email protected]

    If you receive a call from a person claiming to be from the IRS, take down the individual’s name and badge number. You can then call the IRS at 1-800-829-1040 and verify that you ve received a legitimate call. If you do find that the call you received is a scam you can report it to:

    Treasury Inspector General for Tax Administration at 1-800-366-4484 or

    online with the Federal Trade Commission at www.ftccomplaintassistant.gov/Information. 2017 Headquarters: cccsofrochester.org, 1000 University Avenue, Suite 900, Rochester, NY 14607

    Consumer Credit Counseling Service of Rochester – 501 (c) (3) Non-profit Credit Counseling Organization, All Rights Reserved.

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    Consumer Credit Counseling Service of Central Oklahoma, non profit credit counseling.#Non #profit #credit #counseling

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      • Live Debt-Free!
      • Let CCCSOK.org help you reduce interest rates, lower payments, bring your accounts current and waive late and over the limit fees
      • Get more information here

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    • Delinquent Mortgage Counseling
    • Reverse Mortgage
    • Pre-purchase Information
    • Special Housing Programs
    • Classes to help you become a more educated Home Buyer

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    • Trusted by Oklahomans since 1967 to provide confidential budget and credit counseling.
    • Your only LOCAL brick and mortar non-profit credit counseling agency dedicated to serving central and western Oklahoma.
    • Board Information

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    • Trusted by Oklahomans since 1967 to provide confidential budget and credit counseling.
    • Your only LOCAL brick and mortar non-profit credit counseling agency dedicated to serving central and western Oklahoma.
    • Board Information

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    • Start the process online
    • CCCS offers both Pre-Filing Credit Counseling and Pre-Discharge Debtor Education Certificates in accordance with Federal Bankruptcy Regulations.
    • Find more information here

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    Get advice, inspiration and a slice of CCCS life by following blogs written by the experts at CCCSOK.org.

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    • Help CCCS of Central Oklahoma continue to provide free counseling and low-cost services to help supportOklahoma’s families and economy.
    • Buy an hour of counseling for someone in need!





    Service Alberta: Non-Profit Companies, non profit credit counseling.#Non #profit #credit #counseling

    Non-Profit Companies

    Learn more about non-profit companies by clicking one of the links below.

    What is a non-prof it company?


    • Non-profit companies are formed to promote art, science, religion, charity or other similar endeavors, or they may be formed solely for the purpose of promoting recreation for their members. Non-profit companies are governed under the Companies Act.
    • There are two types of non-profit companies – private and public.
      • Private non-profit companies have restrictions on the number of members or shareholders, the number of shares or membership transfers, and there are restrictions on invitations to the public to subscribe for shares or debentures of the company. The specific wording of the provisions can be found in the Companies Act. At least two people are needed to form a private company.
      • Public non-profit companies do not have any of the restrictions of the private companies. At least three people are needed to form a public company.

    How do I incorporate a non-profit company?

    • A non-profit name is usually made up of three parts, or elements: distinctive, descriptive and legal.
      • Here is an example of a non-profit company name that contains all three elements: Alberta Resorts Limited
      • A ‘distinctive element’ is a unique word or location that makes the non-profit company’s name different from others. In the example above, the distinctive element is ‘Alberta’.
      • A ‘descriptive element’ describes what the non-profit company is or does. The descriptive element in our example is ‘Resorts’.
      • The ‘legal element’ may be optional in certain names. If a legal element is to be used, it must be ‘Ltd.’ or ‘Limited’
    • Your non-profit company may also use a ‘number’ name, e.g. 6565651 Alberta Ltd. The numeric portion of the name is assigned by Corporate Registry. ‘Alberta’ always forms the second part of the name. You may choose to use either ‘Ltd.’ or ‘Limited’ as the legal element.

    • You won’t need a NUANS report if you have chosen to use a ‘number’ name.
    • Corporate Registry will examine this report to determine whether your group can use the name you have chosen.
    • If you choose to have a name that is similar to another corporation or non-profit group’s name, you will need to obtain written permission from that group to use the name.

    Step 3: Complete the forms (memorandum, articles, address, directors)

    • Complete a Memorandum of Association, either for a company limited by shares or a company limited by guarantee of the members.
      • The memorandum contains the company objectives. The objectives cannot indicate the company will carry on a profit-making business.
      • This document must contain a clause stating that no dividends or income will be paid to members and that all profits or any income, if any, must be used to promote the company objects.
      • In a company limited by guarantee, each member guarantees to help pay the company’s debts and liabilities before it winds up or stops carrying on its activities. The maximum amount of contribution each member must make has to be stated in the memorandum.
      • In a company limited by shares, the memorandum of association must set out details describing the shares, included the actual number of shares to be authorized.
    • Create Articles of Association
      • The articles are the operating rules for the company.
      • Companies that are ‘limited by shares’ may adopt ‘Table A’ of the Companies Act instead of creating their own set of articles. If ‘Table A’ is adopted it must be signed by the same people who signed the memorandum.
      • Companies ‘limited by guarantee of the members’ may also adopt ‘Table A’ but they must remove the provisions that refer to shares, liens, transfers and alteration of capital, etc.
    • Complete the address form.
    • Complete a directors form when the memorandum or articles indicate that the initial subscribers will also be the first directors of the company.
      • Otherwise, the directors form does not need to be completed and submitted until the first directors have been elected.

    Step 4: Submit the completed forms in duplicate, together with the NUANS report and the incorporation fee, to Corporate Registry.

    • Your information will be examined, and, if the requirements are met, a Certificate of Incorporation will be issued.

    How does my non-profit company become a registered charity, conduct a fund-raising event, or apply for a gaming licence?


    • Some non-profit companies may be eligible to become registered charities. Review the Canada Revenue Agency website for detailed information.
      • In particular, ensure your company objectives and dissolution provisions meet the ‘charitable’ requirements.
    • Your non-profit company may need to register if it plans to conduct any fund-raising activities. Learn more about Alberta’s requirements for charitable organizations.
    • The Alberta Gaming and Liquor Commission is responsible for issuing gaming licences for charitable organizations.

    How can our non-profit company handle internal disputes?


    • Non-profit companies must be prepared to resolve their own internal disputes.
    • Corporate Registry does not supervise the conduct of companies, nor does it provide a counseling service on matters other than forms and the documents filed with them.
    • To ensure that internal disputes are handled fairly, Corporate Registry recommends that the Articles of Association include a mediation or arbitration procedure.

    How can I become an effective board member for my non-profit company?


    • You can learn more about the ethical and legal responsibilities of serving on a board as well as the roles and responsibilities, committee effectiveness, recruiting and orienting board members, and board/staff relations. See Alberta Culture’s Board Development Program (BDP).
    • The BDP offers hands-on board governance workshops free of charge for nonprofit boards and has a variety of online resources that can be downloaded from its web site at no cost.

    Related services

    • Forms – Non-profit Companies

    Beginning January 1, 2013, Corporate Registry can only accept credit cards as payment for transactions when presented in person by the credit card holder. Documents received in the mail after this date that include credit card information will be returned unfiled to the submitter.

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    How Can We Help You?

    Make an appointment for an in-person or phone financial review and counseling session now.

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    Where would you like to start?

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    Ways NFCC can help:

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    Talk to an NFCC Certified Credit Counselor

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    * NFCC Sharpen Your Financial Focus evaluation of counseling clients after six quarters.

    $17,000

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    * NFCC Sharpen Your Financial Focus evaluation of counseling clients after six quarters.

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    About the NFCC

    Founded in 1951, the National Foundation for Credit Counseling (NFCC ) is the nation’s first and largest nonprofit dedicated to improving people’s financial well-being. With nearly 600 member offices serving 50 states and Puerto Rico, our NFCC Certified Credit Counselors are financial advocates, empowering millions of consumers to take charge of their finances through one-on-one financial reviews that address credit card debt, student loans, housing decisions and overall money management. Make one of the best financial decisions of your life. For expert guidance and advice, call (800) 388-2227.





    Consumer Credit Counseling Service of Central Oklahoma, credit counseling services.#Credit #counseling #services

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      • Live Debt-Free!
      • Let CCCSOK.org help you reduce interest rates, lower payments, bring your accounts current and waive late and over the limit fees
      • Get more information here

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    • Delinquent Mortgage Counseling
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    • Special Housing Programs
    • Classes to help you become a more educated Home Buyer

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    • Trusted by Oklahomans since 1967 to provide confidential budget and credit counseling.
    • Your only LOCAL brick and mortar non-profit credit counseling agency dedicated to serving central and western Oklahoma.
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    • Trusted by Oklahomans since 1967 to provide confidential budget and credit counseling.
    • Your only LOCAL brick and mortar non-profit credit counseling agency dedicated to serving central and western Oklahoma.
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    • Start the process online
    • CCCS offers both Pre-Filing Credit Counseling and Pre-Discharge Debtor Education Certificates in accordance with Federal Bankruptcy Regulations.
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    Debt Counseling Services, GreenPath Financial Wellness, credit counseling services.#Credit #counseling #services

    Debt Counseling

    Free Credit Counseling and Debt Counseling

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    GreenPath offers free credit counseling and debt counseling to help ease your financial stress, address your financial concerns, and develop a plan for living a financially healthy life. If you’re concerned about debt, we’ll provide options to help you get out of debt. Our caring, certified experts will partner with you to:

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    The debt counseling session can be conducted over the phone. Or, if you prefer, you can meet with us in-person at one of locations. No appointment is necessary for phone sessions. Scheduled appointments are required for in-person meetings.

    Each year, we work with thousands of people to eliminate credit card debt. You may qualify for a GreenPath Debt Management Plan. Or debt advice and money management tools may be all you need to pay your debts on your own.

    People often find it difficult to dial the phone and ask for help with debt. Your call will be answered by a caring, compassionate expert who understands that financial hardships happen to good people. We will treat you with care and respect, and we will never be judgmental. We’re committed to your success in becoming debt-free.

    ”The comment we hear most often is “I wish I wouldn’t have waited so long to call.”

    Don’t wait. The sooner you call, the sooner you can get out of debt.

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    How much does a debt counseling session cost?

    There is no cost. Debt counseling and credit counseling are free.

    What is the difference between credit counseling and debt counseling?

    There is no difference. The terms “credit counseling” and “debt counseling” both refer to the process of exploring options to help you get out of debt, increase savings and take control of your financial future.

    How long does a counseling session take?

    The initial credit counseling or debt counseling session usually takes about an hour, possibly less or more depending on your situation.

    Do I need to make an appointment?

    No, an appointment is not necessary. GreenPath professionals are standing by to serve you by phone. However, appointments are required for in-person services.

    What if I don’t have time to conduct a credit counseling session now?

    No problem. We can schedule an appointment for a more convenient time. Or you can just call us back when you have time to talk.

    What will I need for my initial credit counseling session?

    It will be helpful if you know how much you usually spend each month on living expenses such as utilities, food, gas, etc. We’ll also need to know how much money you and your spouse / financial partner bring home each month.

    Will you keep my information confidential?

    Yes, absolutely. We do not report information to the credit bureaus. And we will not share your information with anyone without your permission. If you begin a debt management program, we will obtain your consent before we propose payment arrangements to your creditors.

    If you need help getting out of debt, don’t worry – we offer 100% Free Credit Debt Counseling.

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    Lifelines Counseling Services: Real Solutions for Family Counseling, Credit Counseling, Rape Crisis in Mobile, Alabama, credit counseling services.#Credit #counseling #services

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    NEWS ANNOUNCEMENTS

    Bay Area Brunch Fest

    Join us on November 18, 2017 in Downtown Bienville Square from 10 a.m.m – 2 p.m. for Bay Area Bruch Fest! Sample delicious brunch items from 20 different vendors, while you en .

    Back To School Supply Giveaway For The Thinkers of Tomorrow

    Lifelines Counseling Services and Hummingbird Ideas are excited to host a back to school supply giveaway on Saturday, July 29th, starting at 8 a.m. in the Hummingbird Ideas pa .

    We are here to assist you!

    Lifelines Counseling Services is here to assist you with Real Solutions for Real Problems. There are traditional and alternative methods to provide for your needs (TDD, TTY, t .

    OUR BLOG

    “I Have Found my Voice”.

    There seems to often be a theme that occurs from week to week in my practice. This week’s theme has been.

    “I have found my voice”

    There is nothing more inspiring when a client gets to that place in therapy and is able to say.

    “I have found my voice”

    For our voice can so often be lost in the chaos of life —strained relationships, family conflict, trauma, insecurities, addi. CONTINUE READING

    Helping people find real solutions to real problems.

    Lifelines Counseling Services of Mobile, Inc. is the agency of choice to help people find real solutions to real problems. Our goal is to facilitate positive changes in individuals, families and communities by providing comprehensive education, referral and counseling services for social, emergency and financial problems.





    Free credit card debt analysis, credit counseling.#Credit #counseling

    Christian Credit Counselors

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    How our program can help with credit card debt.

    With our Debt Management Program we offer you a manageable plan and strategy to get out of credit card debt – for good.

    Debt Amount: $42,619

    Without Christian Credit Counselors

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  • Christian Credit Counseling, Debt Consolidation, Credit Counselors, credit counseling.#Credit #counseling

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    Providing trusted Christian Credit Counseling since 1990

    Christian Credit Counselors has helped over 300,000 people get out of debt over the last 20 years. Christian Credit Counselors is a non-profit organization that was created to help individuals and families regain control of their finances through the use of educational tools, credit counseling, debt management, and other resources. Our Certified Credit Counselors provide superior services to both our clients and their creditors.

    Are your interest rates too high?

    Need help creating and maintaining a budget?

    Apply Now to let one of our Christian Credit Counselors see what option is best suited to meet your individual needs, goals and circumstances. With a FREE consultation, they will help develop a personal plan and strategy to help you get to your goals and dreams!

    Lower Interest Rates * Lower Monthly Payments * Stop Creditor Calls * Eliminate Fees * Peace of Mind * Wont effect Credit





    Credit Repair Service: Key Credit Repair, credit counseling.#Credit #counseling

    Negative Credit Scores Affecting Your Life?

    Our #1 Rated Credit Repair Service Will Increase Your Credit Scores Fast With Transunion, Experian and Equifax. Join Our 30,000 Happy Clients Today And Start Living The Life You Want!

    • BBB #1 Rated in the Nation
    • No Contracts or Upfront Fees
    • Results Within The First 30 Days

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    Key Credit Repair removed all of my negative records and i have only been with them for 2 months.

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    A Simple Program To Improve Your Credit Scores

    Improving Your Credit Score With Us Is Easy. Our Comprehensive Approach Means That We Do The Work And You Sit Back And Wait For The Results.

    • Clean Up Unlimited Negative Records
    • Results Within The First 30 Days
    • No Upfront Costs
    • No Contracts or Commitments
    • 24/7 Online Access & Credit Progress Tracking
    • 90+ Point Average Credit Score Increase In The First 90 Days
    • Equifax, Experian and Transunion Credit
    • Customized Action Plans Around Your Goals and Budget

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    What Our Customers Say

    Marianna, Boston Massachusetts

    Key Credit Repair removed all of my negative records and i have only been with them for 2 months. It’s an easy process as long as you follow the direction. Before Key Credit Repair I couldn’t get a credit card, now i can.

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    Diondra, Boston Massachusetts

    I was surprised by the results. It happened relatively quick and i never thought that i’d be in the situation where i’d have good credit.

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    Phillip, Boston Massachusetts

    Their services were incredibly helpful, i appreciated the work, time they spent with me. I appreciated their willing to explain what was happening to me and what steps they were going to take to assist me. We were successful.

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    Budget Counseling, Debt Management Credit Counseling Corp, free credit counseling.#Free #credit #counseling

    Budget Counseling

    Do you need financial guidance?

    Would you like help putting a budget together?

    Get answers to all of your financial questions!!

    Call us at 1-866-618-DEBT and speak to a certified financial counselor for a free budget analysis and counseling session* .

    You can also send us an e-mail to [email protected] with your name, phone number and the best time to contact you.

    A Certified Financial Counselor will contact you within 48 hours

    Alternatively, you may fill out our DMCC Quick Estimate Form and we will contact you at your convenience.

    “I just had to write to let you know how much I appreciated your services and benefited from them. When I found DMCC, I was in debt up to my eye balls! I had high interest on my credit cards and was sinking further and further into debt. It was not that I was charging more; it was that the interest was piling up and out of control. I was apprehensive at first, but after talking with your representative, I decided to give it a try. I found myself enjoying making just one payment and having your company take care of the rest. I could not have done it without your services. I recommend you to everyone that is having debt issues. You absolutely did what you promised and changed my life. Thanks a million. ”

    *Free budget analysis and counseling session is for a debt management plan or debt consolidation quote. There is a $50 charge per person or per couple for a credit counseling session that results in the issuance of a UST certificate of completion that is necessary in order to file bankruptcy

    Call 866-618-3328

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    Consumer Credit Counseling, consumer credit counseling.#Consumer #credit #counseling

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    Consumer credit counselinges una organizaci n privada sin fines de lucro 501 c3, dedicada a proveer a los consumidores servicios de educaci n y consejer a financiera de la m s alta calidad.

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    Presupuesto y Crédito

    Educar a las personas a que preparen un Presupuesto familiar sensato representa la piedra angular de nuestro Programa de Educación Financiera. A toda persona con un déficit presupuestario se le proveen opciones posibles para aumentar su ingreso, reducir gastos, o reestructurar sus deudas de consumo mediante un Plan de Pagos.

    Asimismo, compartimos las ventajas y desventajas del crédito, los componentes de la Puntuación Crediticia, así como los pasos a seguir si fue víctima del Hurto de Identidad.

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    Quiebra

    Estamos certificados para proveer consejería a deudores que están considerando radicar quiebra, así como a aquellos que ya radicaron y que están en vías de obtener el descargo de sus deudas de parte de la Corte de Quiebras.

    Consumer credit counseling

    Vivienda

    Al ser una Agencia certificada por el Departamento de Vivienda y Desarrollo de EE.UU. (HUD), proveemos consejería a clientes que están en vías de convertirse en Primeros Compradores de Vivienda; a dueños de vivienda que están atrasados en el pago de sus préstamos hipotecarios como resultado de asuntos ajenos a su voluntad, y que están afrontando una ejecución hipotecaria inminente; a dueños de vivienda que reúnen ciertos requisitos y quienes están considerando convertir en efectivo parte del “equity” acumulado en sus hogares mediante un préstamo de Reverse Mortgage.

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    Préstamos Estudiantiles

    Proveemos consejería a clientes que están considerando proseguir estudios universitarios e interesen conocer sus opciones en vez de o además de los Préstamos Estudiantiles. Además, les proveemos consejería a clientes que han obtenido Préstamos Estudiantiles e interesan conocer sus alternativas de repago.





    Grant Opportunities, consumer credit counseling.#Consumer #credit #counseling

    maestro

    Grants to HomeBuyers are available from various sources. Some grants can combined. Please use the following resources as a starting point in looking for grants. Please understand that programs do expire as a result some of the links below will not work at various times during the year, or have been removed because the program is no longer offered.

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    Many state mortgage finance agencies offer downpayment assistance. Here is a list of the MFA’s that offer downpayment assistance. If your state is listed they may not offer downpayment assistance (at least at the time we researched their sites) but may offer reduced interest rate mortgages for first time HomeBuyers.

    AlaskaВ – Alaska Housing Finance Corporation offers a variety of grant programs to ensure that Alaskans have access to safe, quality, affordable housing.

    ArizonaВ – Arizona Department of Housing, the Authority is able to issue Multi-Family Revenue Bonds for rental projects, low interest Single-Family Mortgage Revenue Bonds for first-time HomeBuyers’ primary financing, and Mortgage Credit Certificates to help provide additional income for first-time HomeBuyers through tax credits.

    DelawareВ – Delaware’s First-Time Home Buyers Program provides first mortgage financing at below-market interest rates to low- and moderate-income Delaware home buyers who have not owned a home in the past three years.

    FloridaВ – Florida Department of Community Affairs, Division of Housing and Community Development offers a number of programs to first time home buyers

    GeorgiaВ – The Georgia Dream HomeOwnership Program makes purchasing a home more affordable for low-to-moderate income families and individuals by offering fixed, low-interest rate mortgages loans.

    HawaiiВ – The Department of Hawaiian Home Lands Home Ownership Assistance program offers a HomeOwnership Center of resources

    IllinoisВ – the Illinois Housing Development Authority’s Affordable Housing Trust Fund Program offers low- and very low-income individuals help via down payment and closing cost assistance.

    IowaВ – Homeownership is the American dream, and each year the Iowa Finance Authority helps thousands of Iowans achieve it.

    KansasВ – The Kansas Housing Resources Corporation offers a First Time Homebuyers Program (FTHB) that provides down payment assistance to qualified Kansas buyers for the purchase of their first home

    KentuckyВ – Kentucky Housing Corporation, as the state housing finance agency, is committed to putting people first as we continue to build partnerships and push the boundaries of traditional housing provision and support methods, and offers Down Payment and Closing Cost Assistance.

    MaineВ – Maine Housing has several programs that can make it easier and more affordable to buy the home you want.

    MississippiВ – the Mississippi Home Corporation developed a Down Payment Assistance Program for low to moderate income first-time homebuyers. The program is available statewide

    MissouriВ – The Missouri Housing Development Commission offers the First Place Loan program gives first-time* homebuyers the edge they need to purchase a home.В Affordable, below market interest rates allow prospective buyers to obtain mortgage financing in a competitive market. Individual buyers may also be eligible for a 3% cash assistance grant that will help them with down payment and closing costs.

    NebraskaВ – The Nebraska Investment Finance Authority Homebuyer Assistance (HBA) Mortgage provides down payment and closing cost assistance.

    New HampshireВ – New Hampshire Housing offers aВ Cash Assistance OptionВ to their Single Family Mortgage Program that provides a cash assistance grant equal to a maximum of 4% of the loan amount to help borrowers defray the cost of down payment, closing costs, and prepaid escrow expenses associated with purchasing a home.

    New JerseyВ – NJ Department of Community Affairs funds IDA’s (Matched savings accounts to help low-income families accumulate funds specifically for high-return investments in home ownership, education or small-business ownership)

    New YorkВ – State of New York Mortgage Agency (SONYMA) is dedicated to providing affordable home ownership opportunities to low and moderate income families in the State of New York through low interest rate mortgages.

    North CarolinaВ – the North Carolina Housing Finance Agency may be able to help you with downpayment assistance or second mortgage up to $20,000

    North DakotaВ -В North Dakota Housing Finance AgencyВ offers downpayment assistance equal to three percent of the Start first mortgage.В The help is in the form of a credit to the borrowers at the time of loan closing.

    OhioВ – The Ohio Housing Finance Agency offers down payment and closing cost assistance to eligible borrowers, which can greatly reduce their out-of-pocket expense. Homebuyers can choose between a down payment assistance grant in an amount equal to 2% of the home’s purchase price, or a second mortgage in an amount up to 4% of the purchase price of the home secured by the first mortgage single family bond loan.

    OklahomaВ -В Oklahoma Housing Finance AgencyВ offersВ down payment and closing cost assistance calledВ the1st Gold program.

    OregonВ – The Oregon Housing and Community Services (OHCS) offers a downpayment and closing cost assistance program called theВ Purchase Assistance Loan (PAL).

    PennsylvaniaВ -В Pennsylvania Housing Finance AgencyВ offers a HOMEstead program for up to $35,000 in downpayment and closing cost assistance in the form of a no-interest, second mortgage loan.

    South CarolinaВ – South Carolina State Housing also offers up to $4,000 to assist eligible borrowers with their down payment and closing costs.

    South DakotaВ – the South Dakota Housing Development Authority (SDHDA). SDHDA will provide up-front downpayment and closing costs financing assistance for qualified low-income families who are first-time homebuyers.

    TennesseeВ – TENNESSEE HOUSING DEVELOPMENT AGENCY, working through Partner Agencies, assists first-time home buyer families with $5,000 of down payment, closing cost and principal buy-down assistance

    TexasВ – Texas Department of Housing and Consumer Affairs has the Texas First Time Homebuyer Program that offers income eligible homebuyers a grant equal to 5% of the mortgage amount.

    VermontВ – Vermont Housing Finance Agency’s Cash Assistance Rate provides borrowers with funds to be applied towards downpayment and/or eligible closing costs as a Second Mortgage at a 0% interest rate.

    WyomingВ – From time to time, the Wyoming Community Development Authority is able to offer programs to assist homebuyers with a portion of their Down Payment and Closing Costs.





    Consumer Credit Counseling Services of Northeastern Pennsylvania Credit Counseling and Debt Management – CCCS of NEPA, consumer credit counseling.#Consumer #credit #counseling

    consumer credit counseling

    • Consumer credit counseling

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    Credit Counseling

    Credit counseling services are 100% free and confidential. We ll help you set up a budget and teach you proper money management skills to help you avoid financial problems.

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    Debt Management

    If you’re having difficulties making your monthly payments or the balances on your credit cards are just not decreasing, then a Debt Management Program may be for you.

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    Bankruptcy Counseling Education

    If you’ve filed for bankruptcy, your first step is to complete a bankruptcy counseling session. We also provide bankruptcy education classes.

    Consumer credit counseling

    Bankruptcy Certificates

    This is where you can obtain the required certificates needed in order to file or discharge your bankruptcy. The service is available online, by telephone or in-person.

    Services

    Consumer credit counseling

    Here are some of the services that we currently offer. CCCS of NEPA can help you via the telephone, in-person, or you can start your free credit counseling session online from the comfort of your own home. If you don’t see a particular service listed here, just give us a call and see if we can help you.

    • FREE Credit Counseling
    • Debt Management and Repayment
    • Credit Report Review
    • Housing Counseling
    • Educational Programs
    • Employer Assistance Program
    • Bankruptcy Credit Counseling
    • Bankruptcy Education

    Online Credit Counseling

    Our FREE online system is 100% secure, confidential and accessible 24 x 7 in the comfort of your own home. This is the first system of its kind to actually provide personalized counseling advice.

    Debt Management Payment Center

    This is our Online Web Pay service. By choosing the link below, you will be directed to Payer Express, an online secure site for you to make your DMP Payment using your checking or savings account.

    Overwhelmed by debt?

    The CCCS of NEPA Debt Management Program can help! If you’re struggling with unsecured debt, our program may be the solution you’ve been looking for. Let us help eliminate your financial stress!





  • Non Profit Credit Counseling, Cambridge Credit Counseling, non profit credit counseling.#Non #profit #credit #counseling

    Consumer Credit Counseling Services from a Trusted Non-Profit

    Get a FREE consultation for any of our non-profit services:

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    Credit Counseling

    Credit counseling is a FREE service that we offer to consumers who are looking to find ways out of debt. Our consumer credit counseling professionals are nationally certified debt experts who will perform and in-depth analysis of your financial situation to help identify ways for you to save money and get out of debt.

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    Debt Consolidation

    Debt Consolidation is a safe, effective way to responsibly pay your credit card debt. You’ll make one simple payment every month and we’ll pay your creditors, all while saving you time and money. Our clients see average interest rate reductions of 64%, reducing their monthly payments by around 25%.

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    Housing Counseling

    Cambridge is approved by the Department of Housing and Urban Development (HUD) to provide housing-related services throughout the country. Our housing counseling services include foreclosure prevention, rental counseling, first-time homebuyer courses, and post-purchase housing counseling.

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    Student Loan Counseling

    Student loan debt has surpassed credit card debt and is now ranked #2 in terms of debts that Americans are holding, second only to mortgage debt. Our student loan counselors will review your entire financial profile, including your federal student loans, and work with you to find an affordable solution.

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    Reverse Mortgage Counseling

    Many seniors are looking to reverse mortgages to help them through their golden years. Our certified reverse mortgage (HECM) counselors are here to ensure that seniors fully understand all aspects of the reverse mortgage so that they can make an informed decision. Counseling is required for HECMs.

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    Bankruptcy Counseling

    Cambridge is approved by the U.S. Justice Department’s EOUST to offer the educational courses that consumers need in order to file and complete a bankruptcy petition. Before filing, consumers must first complete the pre-filing course and must complete the post-filing debtor education course to get a certificate.

    Find out how fast you can get out of debt and how much you can save!

    Call (800) 235-1407 or complete the form below to get started!

    Schedule Your FREE Debt Consulation With a Certified Counselor Now!

    At Cambridge, our goal is to get you out of credit card debt fast, with as little cost to you as possible. Our Debt Consolidation services allow you to make just one simple monthly payment for all of the debts you include on our program.

    By enrolling in our program, our typical clients enjoy average interest rate reductions from 22% down to 8%, saving them an average of nearly $150 every month. These reductions help our clients to get out of debt in just about 50 months. Other benefits of our debt consolidation services include brining past-due accounts current and the elimination of certain late or over-limit fees.

    Please complete the form below to schedule your FREE Debt Analysis now. We will never share your information to anyone, for any reason, ever!

    Other ways to reach us

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    Our Top Financial Literacy Articles

    Our main goal here at Cambridge is to spread financial education and increase financial literacy.

    Below are our most popular articles:

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    Financial Stress and Your Health

    Financial stress can have major effects on your health. Stress, in general, can cause heart attacks, strokes, and many other serious health issues regardless of the source. Learn about the effects of financial stress on your health and what you can do to prevent or reduce it.

    Non profit credit counseling

    Credit Card Minimum Monthly Payments

    A ‘minimum monthly payment’ is the lowest amount you can pay toward your monthly credit card bill in order to keep the account current. However, too many of us make JUST the minimum monthly payment. Learn why that’s not the best way to pay down your credit cards.

    Non profit credit counseling

    What is a Credit Card Charge Off?

    We’ve all heard the term “charge-off”. What exactly does it mean to have an account charge-off? How bad is it really? Do we still have to pay a charged-off account or does the debt eventually “go away”? When exactly does an account charge-off? We’ll teach you the basics!

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    Teaching Kids the Value of Money

    In general, kids have little to no concept of money. Why is that? Because, in a majority of America’s schools, financial literacy is not a core topic. It’s our responsibility as parents to teach our kids the value of money as early as possible. Here are some things to discuss with your kids.

    Non profit credit counseling

    What is Credit Counseling?

    Credit counseling has been around for decades, but today’s credit counseling agencies are held to a much higher standard than those that were around in the 1960’s. Learn the benefits of credit counseling, the history of the profession and how it’s evolved over the years.

    Non profit credit counseling

    Creating a Household Budget

    One of the first things that a certified credit counselor will do when speaking to a consumer is to work with them to create a household budget. Why? Because having a budget helps to keep your spending in-check and build up your savings. In this article, we’ll teach you how to get started.





    Non Profit Debt Consolidation – Counseling Services, CreditGUARD, non profit credit counseling.#Non #profit #credit #counseling

    Credit and Debt Counseling Agency

    CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt issues. We will help you get out of the debt through our best credit counseling. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.

    Certified Credit Counselors – Free Consultation

    Our credit counselors are certified and trained to deal with both secured and unsecured debts. The counselors will evaluate your needs and your expenses and custom design a plan that will allow you to make an affordable debt payment within your budget that gets you out of debt faster than you ever thought possible. Your debt management plan will get you debt free and keep you debt free! Then we provide a tailored, written debt consolidation plan based upon the debt counseling that considers affordability and reliability of the debt program, as the main priority.

    Credible Debt Counseling – Confidential Easy

    CreditGuard of America provides a variety of online credit counseling and debt management tools to assist consumers with their debt problems. Our credit counseling agency gives advice on personal budgeting, debt consolidation through debt management programs as well as home equity loans, credit cards promos, and filing for bankruptcy. Thousands of consumers have been able to get back-on-track using our debt counseling and debt solutions that helped them in managing their bills and credit card debt.

    Whatever your credit problems are, CreditGuard of America, Inc., a credible credit counseling agency, is there to help you. Contact us online by filling out the contact form above or call CreditGuard of America, Inc. at 1-800-500-6489 to find out more about our online debt consolidation and credit counseling programs!

    Free Financial Education – Get Out of Debt and Stay Out of Debt

    CreditGuard of America, Inc. is dedicated to educating consumers on financial literacy. Through financial education, our non profit credit counseling agency hopes to prevent the consumers from falling into the “debt trap” and help those already in trouble. Our online education resources provide comprehensive information regarding the effects of best credit counseling over debt collection and money management.

    Our Credit Management Series helps consumers in understanding how their credit works. Our Debt Collection Series examines the consumer credit rights and the credit laws that protect them. Our Money Management Series gives practical advice on money matters.

    Contact us online by filling out the form above, or Call CreditGuard of America at 1-800-500-6489 for more information on our non-profit credit counseling and debt counseling agency. Certified Credit Counselors are available Monday – Thursday 8:00 am – 10:00 pm Eastern, Friday 8:00 am – 9:00 pm Eastern, Saturday 10:00 am – 6:00 pm Eastern. For online service, 24/7, use the Credit Card Debt Analyzer to calculate your estimated interest and payment savings available, through our debt management program.





    Credit Repair Service: Key Credit Repair, credit counseling agencies.#Credit #counseling #agencies

    Negative Credit Scores Affecting Your Life?

    Our #1 Rated Credit Repair Service Will Increase Your Credit Scores Fast With Transunion, Experian and Equifax. Join Our 30,000 Happy Clients Today And Start Living The Life You Want!

    • BBB #1 Rated in the Nation
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    Key Credit Repair removed all of my negative records and i have only been with them for 2 months.

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    A Simple Program To Improve Your Credit Scores

    Improving Your Credit Score With Us Is Easy. Our Comprehensive Approach Means That We Do The Work And You Sit Back And Wait For The Results.

    • Clean Up Unlimited Negative Records
    • Results Within The First 30 Days
    • No Upfront Costs
    • No Contracts or Commitments
    • 24/7 Online Access & Credit Progress Tracking
    • 90+ Point Average Credit Score Increase In The First 90 Days
    • Equifax, Experian and Transunion Credit
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    What Our Customers Say

    Marianna, Boston Massachusetts

    Key Credit Repair removed all of my negative records and i have only been with them for 2 months. It’s an easy process as long as you follow the direction. Before Key Credit Repair I couldn’t get a credit card, now i can.

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    Diondra, Boston Massachusetts

    I was surprised by the results. It happened relatively quick and i never thought that i’d be in the situation where i’d have good credit.

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    Phillip, Boston Massachusetts

    Their services were incredibly helpful, i appreciated the work, time they spent with me. I appreciated their willing to explain what was happening to me and what steps they were going to take to assist me. We were successful.

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    Christian marriage couples – individual counseling retreat couple retreats, christian credit counseling.#Christian #credit #counseling

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    Christian credit counseling

    George Hartwell M.Sc .

    (M.Sc. is Masters of Science in counseling and clinical services at University of Calgary)

    – Christian Counsellor (serrving Oakville, Mississauga, Brampton and Toronto.)

    – I bring in depth insight that will lead you toward heart healing and love restoration.

    – My practice is interactive, prayerful and focused on discovering and dealing with root issues.

    – We work together, and with God in the team, to seek guidance, comfort and godly truth to deal with your core beliefs.

    – My 40 years experience, my clients and professional abservers have found that this process is ideally suited for the achievement of permanent life transformation.

    – Some call this process ‘Depth Oriented Brief Therapy.’

    Phone/ text: (416) 939-0544 or (416) 234-1850

    Email: ghartwell (at) rogers.com

    Location: Mississauga, Ontario

    (Suite #123, 1454 Dundas Street East,

    so that God can heal your life:

    Thank you for your kind and gentle touch in dealing with such delicate heart and soul matters. (Sonia, clients say )

    Here is what is hard for me to say without tears. Thank you for so changing my life. You manage to say things in a way that helps us to understand without feeling judged or condemned. You have given (my husband) a better understanding of who I am and permission to move his mother out of first place in his life.

    You have taught us the skills to effectively commuicate with each other and in doing so have brought us much closer together. (Peter and Kathy, clients say )

    I have found George to be an extremely insightful counsellor. (S. D., clients say)

    George is a very trustworthy man and has many years of experience and wisdom in the area of counselling. It is with conviction that I recommend George as a highly skilled and trained counsellor. (Rev. Andy L., clients say )

    What is important is that you did inner healing. In previous counseling they threw out a lot of stuff (deliverance) but there wasn’t a lot of inner healing. (testimony from intensive therapeutic retreat)

    So the precision in dealing with what has to be dealt with is a nice part of this – Jesus leads just exactly to the spot that needs to be dealt with. It gets dealt with and then you are to the next spot. (Rev. Paul White, feedback on an intensive therapeutic retreat)

    I recommend George as a counsellor. He is a wise man with much experience. (Father Bill Comerford)

    a Masters degree, University of Calgary (Clinical Psychology)

  • 30+ years of clinical experience

    a caring and compassionate counselor

    a non-religious non-judgemental Christ-follower who shines God’s loving heart to my clients.

    You will learn more about me through About

    Agape Christian Counselling. (Agape means ‘God Love’)

    In person appointments are 90 minutes for a fee of $180 (Canadian).or $120 for 60 minutes.

    Office at: Suite 123, 1454 Dundas Street East, Mississauga, Ontario, Canada. L4X IL4.

    Serving: Toronto, Mississauga, Oakville, Brampton, and Greater Toronto Area (GTA)

    On the path to love, life and healing

    About my Marriage counselling / therapy

    Marital Therapy – focussed on bonding and the love connection.

    Marriage counseling Retreats – also focussed on bonding and the love connection.

    Pre-marital Counseling – package focussed on enhancing bonding, assessing the relationship and understanding personality differences.

    I believe that marriages are worth saving if they are safe and life-giving; that individuals are worthy of love and respect and that therapy needs to provide a safe emotional place in the session and in the marriage for both partners.

    About my Individual Therapy / counseling

    Academic Coach / Performance coaching – achieve results that reflect your talent by understanding and dealing with blocking beliefs.

    Therapeutic Spiritual Direction on finding your life direction and opening up your relationship with God.

    I have seen lives transformed and marriages stablized and I believe that God is working with us to heal our lives.

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  • GreenPath Financial Wellness, Debt & Consumer Credit Counseling, credit counseling services.#Credit #counseling #services

    Your Financial Health

    Regain control over your finances so you can pay bills on time, build a financial cushion, save for the future, and enjoy life without financial stress.

    Credit counseling services

    Credit Card Debt

    Worried about credit card debt? Explore options for paying off your debt. We may even be able to lower your interest rates and stop collection calls.

    Credit counseling services

    Debt Calculator

    How long will it take to pay off your credit card debt? How much will it cost? Compare paying on your own versus paying through a debt management plan.

    Credit counseling services

    Housing Services

    Concerned about your mortgage? Planning to buy a house? Considering a reverse mortgage? Understand your options so you can make an informed decision.

    Since 1961, GreenPath has been empowering people to regain control of their finances — and their lives. Contact us today if you want to lead a financially healthy life.

    Call Us: 800-550-1961

    How We Can Help

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    What Our Clients Are Saying Rotate slide

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    “GreenPath helped us pay off more than $92,000 in credit card debt. You saved our lives financially. ”

    Jerry and Sue – Jackson, MI READ MORE

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    “We were in a deep hole with no way out and you brought us a ladder. It is wonderful what you do for your clients.”

    Tony and Peggy – Mishawaka, IN READ MORE

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    Their credit scores rose from the low 600s to 745 and 778 by the time they finished paying off their debt.

    Dawn and David – Buchanan, MI READ MORE

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    “GreenPath organized our finances, and we actually had more cash in hand each month after paying our bills.”

    Don and Carole – New York, NY READ MORE

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    “GreenPath has given me peace of mind. They were able to open the door for me in getting out of debt in five years, versus 25 or 30 years.”

    What to Expect

    Friendly service from degreed professionals

    Financial options with no sales pitch

    Customized budget and action plan

    Changing Lives

    Congrats to Katie for completing her debt management plan. Her story will inspire you!





    Free credit card debt analysis, credit counseling.#Credit #counseling

    Christian Credit Counselors

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    How our program can help with credit card debt.

    With our Debt Management Program we offer you a manageable plan and strategy to get out of credit card debt – for good.

    Debt Amount: $42,619

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  • Credit Repair Service: Key Credit Repair, credit counseling.#Credit #counseling

    Negative Credit Scores Affecting Your Life?

    Our #1 Rated Credit Repair Service Will Increase Your Credit Scores Fast With Transunion, Experian and Equifax. Join Our 30,000 Happy Clients Today And Start Living The Life You Want!

    • BBB #1 Rated in the Nation
    • No Contracts or Upfront Fees
    • Results Within The First 30 Days

    Credit counseling

    Key Credit Repair removed all of my negative records and i have only been with them for 2 months.

    • Credit counseling
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    • Credit counseling

    A Simple Program To Improve Your Credit Scores

    Improving Your Credit Score With Us Is Easy. Our Comprehensive Approach Means That We Do The Work And You Sit Back And Wait For The Results.

    • Clean Up Unlimited Negative Records
    • Results Within The First 30 Days
    • No Upfront Costs
    • No Contracts or Commitments
    • 24/7 Online Access & Credit Progress Tracking
    • 90+ Point Average Credit Score Increase In The First 90 Days
    • Equifax, Experian and Transunion Credit
    • Customized Action Plans Around Your Goals and Budget

    Credit counseling

    What Our Customers Say

    Marianna, Boston Massachusetts

    Key Credit Repair removed all of my negative records and i have only been with them for 2 months. It’s an easy process as long as you follow the direction. Before Key Credit Repair I couldn’t get a credit card, now i can.

    Credit counseling

    Diondra, Boston Massachusetts

    I was surprised by the results. It happened relatively quick and i never thought that i’d be in the situation where i’d have good credit.

    Credit counseling

    Phillip, Boston Massachusetts

    Their services were incredibly helpful, i appreciated the work, time they spent with me. I appreciated their willing to explain what was happening to me and what steps they were going to take to assist me. We were successful.

    Credit counseling





    Christian Credit Counseling, Debt Consolidation, Credit Counselors, credit counseling.#Credit #counseling

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    Providing trusted Christian Credit Counseling since 1990

    Christian Credit Counselors has helped over 300,000 people get out of debt over the last 20 years. Christian Credit Counselors is a non-profit organization that was created to help individuals and families regain control of their finances through the use of educational tools, credit counseling, debt management, and other resources. Our Certified Credit Counselors provide superior services to both our clients and their creditors.

    Are your interest rates too high?

    Need help creating and maintaining a budget?

    Apply Now to let one of our Christian Credit Counselors see what option is best suited to meet your individual needs, goals and circumstances. With a FREE consultation, they will help develop a personal plan and strategy to help you get to your goals and dreams!

    Lower Interest Rates * Lower Monthly Payments * Stop Creditor Calls * Eliminate Fees * Peace of Mind * Wont effect Credit





    The Impact of Credit Counseling on Credit Scores, Experian, free credit counseling.#Free #credit #counseling

    The Impact of Credit Counseling on Credit Scores

    Dear AKN,

    Participating in credit counseling does not affect credit scores directly. A good credit counseling organization will provide budgeting and financial management education, which will help you gain control of your credit and keep it under control in the future. Participation in such classes will not appear on your credit report.

    Only when a debt is repaid through a debt management plan will there be any indication of credit counseling on your credit report, and even then it might not impact your credit scores in any way.

    A debt management plan involves the credit counseling agency negotiating lower interest rates or reduced repayment amounts with your lenders.

    A comment may be added to the accounts in your credit report that are being repaid through a credit counseling program or debt management plan. So, lenders may see that fact. However, that comment won’t affect credit scores.

    The payment status of the account will determine whether or not your credit scores are affected. A lender may report the account as being current and paid in full. If so, there will be no negative impact on your credit scores.

    The lender also may report the account as settled, meaning paid for less than originally agreed. When you settle a debt for less than originally agreed, there will almost always be a negative impact on your credit scores, whether you negotiate directly with your lenders or a credit counseling agency does so on your behalf.

    It is also very important to make sure the account payments are kept current during the transition to the debt management plan. Make sure that you understand when the credit counseling agency will begin to make payments on your behalf.

    You need to be sure that no payments are missed between the time you enter the plan and the time the credit counseling agency starts making the payments. You may need to make a payment or two before payments begin to be made by the credit counseling agency.

    Please avoid credit repair firms that claim they can fix your credit overnight, or that they can get accurate negative information removed from your credit report for a fee.

    Also be cautious about organizations that only want to enroll you in a debt management plan. A good credit counseling agency will provide financial management education and will only suggest you enter a debt management plan if it is necessary.

    Thanks for asking.

    Review Your Free Experian Credit Report Today

    Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

    Related Articles

    Dear Experian, Do student loans affect your credit scores? If so how are they used in the calculation? LBC Dear LBC, Student loans affect your credit report and credit scores, including FICO scores, the same way as any other

    Dear Experian, I went car shopping one day and now there are lots of inquires that say they will be on my credit report until 2015. Is it right for all these inquiries to be on my report so long from just one day of shopping for a car? – RLM

    Dear Experian, I am an international student. It was very difficult for me to get a credit card application approved even after getting a job and getting a Social Security number. I applied for six cards and I was finally

    Dear Experian, If you make payments within the grace period, does that affect your credit report? TWB Dear TWB, A grace period is a set amount of time after the due date during which a payment can be received

    Landlords Can Share Credit Reports with Tenants





    Budget Counseling, Debt Management Credit Counseling Corp, free credit counseling.#Free #credit #counseling

    Budget Counseling

    Do you need financial guidance?

    Would you like help putting a budget together?

    Get answers to all of your financial questions!!

    Call us at 1-866-618-DEBT and speak to a certified financial counselor for a free budget analysis and counseling session* .

    You can also send us an e-mail to [email protected] with your name, phone number and the best time to contact you.

    A Certified Financial Counselor will contact you within 48 hours

    Alternatively, you may fill out our DMCC Quick Estimate Form and we will contact you at your convenience.

    “I just had to write to let you know how much I appreciated your services and benefited from them. When I found DMCC, I was in debt up to my eye balls! I had high interest on my credit cards and was sinking further and further into debt. It was not that I was charging more; it was that the interest was piling up and out of control. I was apprehensive at first, but after talking with your representative, I decided to give it a try. I found myself enjoying making just one payment and having your company take care of the rest. I could not have done it without your services. I recommend you to everyone that is having debt issues. You absolutely did what you promised and changed my life. Thanks a million. ”

    *Free budget analysis and counseling session is for a debt management plan or debt consolidation quote. There is a $50 charge per person or per couple for a credit counseling session that results in the issuance of a UST certificate of completion that is necessary in order to file bankruptcy

    Call 866-618-3328

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    Grant Opportunities, consumer credit counseling.#Consumer #credit #counseling

    maestro

    Grants to HomeBuyers are available from various sources. Some grants can combined. Please use the following resources as a starting point in looking for grants. Please understand that programs do expire as a result some of the links below will not work at various times during the year, or have been removed because the program is no longer offered.

    Consumer credit counseling

    Many state mortgage finance agencies offer downpayment assistance. Here is a list of the MFA’s that offer downpayment assistance. If your state is listed they may not offer downpayment assistance (at least at the time we researched their sites) but may offer reduced interest rate mortgages for first time HomeBuyers.

    AlaskaВ – Alaska Housing Finance Corporation offers a variety of grant programs to ensure that Alaskans have access to safe, quality, affordable housing.

    ArizonaВ – Arizona Department of Housing, the Authority is able to issue Multi-Family Revenue Bonds for rental projects, low interest Single-Family Mortgage Revenue Bonds for first-time HomeBuyers’ primary financing, and Mortgage Credit Certificates to help provide additional income for first-time HomeBuyers through tax credits.

    DelawareВ – Delaware’s First-Time Home Buyers Program provides first mortgage financing at below-market interest rates to low- and moderate-income Delaware home buyers who have not owned a home in the past three years.

    FloridaВ – Florida Department of Community Affairs, Division of Housing and Community Development offers a number of programs to first time home buyers

    GeorgiaВ – The Georgia Dream HomeOwnership Program makes purchasing a home more affordable for low-to-moderate income families and individuals by offering fixed, low-interest rate mortgages loans.

    HawaiiВ – The Department of Hawaiian Home Lands Home Ownership Assistance program offers a HomeOwnership Center of resources

    IllinoisВ – the Illinois Housing Development Authority’s Affordable Housing Trust Fund Program offers low- and very low-income individuals help via down payment and closing cost assistance.

    IowaВ – Homeownership is the American dream, and each year the Iowa Finance Authority helps thousands of Iowans achieve it.

    KansasВ – The Kansas Housing Resources Corporation offers a First Time Homebuyers Program (FTHB) that provides down payment assistance to qualified Kansas buyers for the purchase of their first home

    KentuckyВ – Kentucky Housing Corporation, as the state housing finance agency, is committed to putting people first as we continue to build partnerships and push the boundaries of traditional housing provision and support methods, and offers Down Payment and Closing Cost Assistance.

    MaineВ – Maine Housing has several programs that can make it easier and more affordable to buy the home you want.

    MississippiВ – the Mississippi Home Corporation developed a Down Payment Assistance Program for low to moderate income first-time homebuyers. The program is available statewide

    MissouriВ – The Missouri Housing Development Commission offers the First Place Loan program gives first-time* homebuyers the edge they need to purchase a home.В Affordable, below market interest rates allow prospective buyers to obtain mortgage financing in a competitive market. Individual buyers may also be eligible for a 3% cash assistance grant that will help them with down payment and closing costs.

    NebraskaВ – The Nebraska Investment Finance Authority Homebuyer Assistance (HBA) Mortgage provides down payment and closing cost assistance.

    New HampshireВ – New Hampshire Housing offers aВ Cash Assistance OptionВ to their Single Family Mortgage Program that provides a cash assistance grant equal to a maximum of 4% of the loan amount to help borrowers defray the cost of down payment, closing costs, and prepaid escrow expenses associated with purchasing a home.

    New JerseyВ – NJ Department of Community Affairs funds IDA’s (Matched savings accounts to help low-income families accumulate funds specifically for high-return investments in home ownership, education or small-business ownership)

    New YorkВ – State of New York Mortgage Agency (SONYMA) is dedicated to providing affordable home ownership opportunities to low and moderate income families in the State of New York through low interest rate mortgages.

    North CarolinaВ – the North Carolina Housing Finance Agency may be able to help you with downpayment assistance or second mortgage up to $20,000

    North DakotaВ -В North Dakota Housing Finance AgencyВ offers downpayment assistance equal to three percent of the Start first mortgage.В The help is in the form of a credit to the borrowers at the time of loan closing.

    OhioВ – The Ohio Housing Finance Agency offers down payment and closing cost assistance to eligible borrowers, which can greatly reduce their out-of-pocket expense. Homebuyers can choose between a down payment assistance grant in an amount equal to 2% of the home’s purchase price, or a second mortgage in an amount up to 4% of the purchase price of the home secured by the first mortgage single family bond loan.

    OklahomaВ -В Oklahoma Housing Finance AgencyВ offersВ down payment and closing cost assistance calledВ the1st Gold program.

    OregonВ – The Oregon Housing and Community Services (OHCS) offers a downpayment and closing cost assistance program called theВ Purchase Assistance Loan (PAL).

    PennsylvaniaВ -В Pennsylvania Housing Finance AgencyВ offers a HOMEstead program for up to $35,000 in downpayment and closing cost assistance in the form of a no-interest, second mortgage loan.

    South CarolinaВ – South Carolina State Housing also offers up to $4,000 to assist eligible borrowers with their down payment and closing costs.

    South DakotaВ – the South Dakota Housing Development Authority (SDHDA). SDHDA will provide up-front downpayment and closing costs financing assistance for qualified low-income families who are first-time homebuyers.

    TennesseeВ – TENNESSEE HOUSING DEVELOPMENT AGENCY, working through Partner Agencies, assists first-time home buyer families with $5,000 of down payment, closing cost and principal buy-down assistance

    TexasВ – Texas Department of Housing and Consumer Affairs has the Texas First Time Homebuyer Program that offers income eligible homebuyers a grant equal to 5% of the mortgage amount.

    VermontВ – Vermont Housing Finance Agency’s Cash Assistance Rate provides borrowers with funds to be applied towards downpayment and/or eligible closing costs as a Second Mortgage at a 0% interest rate.

    WyomingВ – From time to time, the Wyoming Community Development Authority is able to offer programs to assist homebuyers with a portion of their Down Payment and Closing Costs.





    The Foreclosure Fraudsters, Co-conspirators – ROBO-Signors, abacus credit counseling.#Abacus #credit #counseling

    Contact information for some bank CEOs:

    Nationwide Title Clearing will manufacture any document to cover-up the title fraud problems.

    Abacus credit counselingFORENSIC AUDITS

    of County Land Records

    Abacus credit counseling FORENSIC EXAMINATION OF ASSIGNMENTS OF MORTGAGE RECORDED DURING 2010 IN THE

    ESSEX SOUTHERN DISTRICT REGISTRY OF DEEDS John O’Brien, Assessor-Recorder

    Abacus credit counseling FORECLOSURE IN CALIFORNIA: A CRISIS OF COMPLIANCE Phil Ting, Assessor-Recorder (2012)

    Christina Allen – Lender Processing Services Liquenda Allotey – Lender Processing Services Christine Anderson – Lender Processing Services: now appropriately called Black Knight Financial Services, a subsidiary of Fidelity National Financial Inc.

    Scott Anderson – Ocwen and Residential Loan Servicing

    Patricia Arango – Marshall C. Watson law firm (CONTRADICTS CONGRESSIONAL TESTIMONY OF

    China Brown – Wells Fargo (Piwinski case)

    Bryan Bly – Nationwide Title – Video Deposition Part 1, Part 2

    Deborah Brignac Forgeries – Deutsche Bank, Washington Mutual, Long Beach Mortgage, California Reconveyance,

    JPMorgan Chase, Fidelity

    Whitney Cook – JPMorgan Chase

    Beth Cottrell – JPMorgan Chase

    Margaret Dalton – JPMorgan Chase

    Dhurata Doko – Nationwide Title – Video Deposition Part 1, Part 2

    Alfonzo Greene – Lender Processing Services

    Laura Hescott – Lender Processing Services

    Barbara Hindman – JPMorgan Chase

    Bethany Hood – Lender Processing Services

    Pat Kingston – EMC Mortgage

    Cecelia Knox – Lender Processing Services

    Margie Kwiatanowsk – GMAC

    Topako Love – Lender Processing Services

    Crystal Moore – Nationwide Title – Video Deposition. Part 1, Part 2, Part 3, Part 4

    Noemi MoralesOcwen – Signs for Scott Anderson. Notary stamp was expired when she signed many documents.

    Erica Johnson-Seck– Indymac The corporations for which she had signing authority included the FDIC as

    conservator for IndyMac. She’s now a vice president in Austin, Texas,

    for OneWest Bank, which bought IndyMac from the FDIC.

    Stanley Silva – Ticor Title: Notice of Defaults, LPS, Fidelity, MERS, Wells Fargo

    Jodi Sobotta – Lender Processing Services

    Stacy Spohn – Chase Home Finance

    Jeffrey Stephan – GMAC Highlights by Lynn Szymoniak

    Jeffrey Stephan – Motion for Relief GRANTED – Attorney Fees Awarded on Affidavit Made in Bad Faith

    Eric Tate – Lender Processing Services

    Christina Trowbridge – JPMorgan Chase

    Rhonda Weston – Bank of America: Is one of 10,000 listed vice presidents for Bank of America and had signed

    legal documents allegedly not in the presence of a notary public and without reading the document.

    Amy Weis – Lender Processing Services

    Rick Wilken – Lender Processing Services, EMC Mortgage, MERS, HSBC, JP Morgan Chase

    From attorney Lynn Szymoniak of Fraud Digest

    To assist JPMorgan Chase , Fraud Digest suggests that it dismiss those actions where the Affidavits or Mortgage Assignments were signed by the following robo-signers: Beth Cottrell, Whitney Cook, Christina Trowbridge and Stacy Spohn from the Chase Home Finance office in Franklin County, OH; Margaret Dalton and Barbara Hindman from the Jacksonville, FL office of JPMorgan Chase;

    and any of the Lender Processing Services robo-signers from the Dakota County, MN office including Christina Allen, Liquenda Allotey, Christine Anderson, Alfonzo Greene, Laura Hescott, Bethany Hood, Cecelia Knox, Topako Love, Jodi Sobotta, Eric Tate, Amy Weis and Rick Wilken.

    In particular, JP Morgan Chase should look at those cases where the bank has supposedly assigned mortgages to WaMu , WMALT , Long Beach Mortgage Company and NovaStar trusts years after the closing dates of these trusts. The number of questionable or fraudulent documents is likely to be much closer to 560,000 than to 56,000, and that will only be a good beginning. – Attorney Lynn Szymoniak





    Psychological Counseling, Christian Counseling, Relationships & Conflict, Professional Counseling Associates, christian credit counseling.#Christian #credit #counseling

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    Welcome To Professional Counseling Associates

    Thank you for your interest in Professional Counseling Associates (PCA). We hope you take the time to familiarize yourself with our counseling practice. We have many excellent counseling and medical providers in our group who are available to assist you and your family. With Christian, professional counselors, psychologists, and medical providers, we are uniquely qualified to offer comprehensive therapies to our clients. If you are looking for individual counseling, marriage counseling, family therapy for kids and teens, psychological evaluation and assessment, or encouraging help with life’s transitions, you have come to the right place!

    Our offices are conveniently located in the Valley and our staff is ready to help you get the most accurate and compassionate help available. Please click through our website to familiarize yourself with our team of staff and providers, and don’t hesitate to call, e-mail, or find us on Facebook to schedule an appointment. We look forward to serving you and your family.

    Our Services

    Individual Counseling
    Marriage Counseling Marriage Intensives
    Family Counseling Intervention
    Psychological Testing Assessment
    General Medical Services Naturopathic Medical Care
    Family Forensic Services Intervention
    Crisis Intervention
    Pastoral, Ministry Church Team Counseling

    Our Leadership Team

    Thank you for considering us! We have been providing Christian counseling and intervention services in Arizona for many years and we are honored to lead our team of highly trained, experienced, professional, and compassionate psychologists, professional counselors, and medical providers. We have built Professional Counseling Associates with a broad range of talented specialists ready to help. It is always our mission to support our clients with dignity and the love of God, while maintaining the highest of professional standards. We hope you will take a moment and get to know our PCA team and how we might be able to support you and your most important relationships!

    *Non-discrimination Statement: PCA does not discriminate against any person on the basis of race, religion, color, gender, sexual orientation, age, national origin, disability, or any other status or condition protected by law.

    *Professional Counseling Associates, LLC, is a group that includes employees and contracted providers. While our providers are trained and experienced in addressing faith and spirituality within the context of providing professional services, it is always the client’s decision whether this is introduced and addressed in the treatment process.

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  • List of Free Online Christian Counseling Courses, christian credit counseling.#Christian #credit #counseling

    List of Free Online Christian Counseling Courses

    See our list of the top free online Christian counseling courses. Learn what courses are available and what topics they cover to find the course that’s right for you.

    Online Christian Counseling Courses for Credit

    There are many schools across the country that offer free online classes for students who want to learn more about Christian counseling; however, they do not typically award any type of credit. Students who are seeking online classes that offer credit can consider the options on Study.com. This website offers an affordable option to students and uses resources such as lesson videos and chapter tests.

    The Counseling 101: Fundamentals of Counseling course does not have any chapters specific to Christian counseling but it does allows students to study basic counseling topics. Chapters in this course include:

    • The History of Counseling and Psychotherapy – Identify the early years of counseling and where counseling is going in the future.
    • The Professional Counselor – Learn about where counselors work, the specialties available for counselors and the personal qualities of great counselors.
    • Ethical and Legal Issues in Counseling – Study information about the licensing requirements for counselors and the ethical and legal obligations for this profession.

    Info on Free Online Christian Counseling Courses

    These online courses related to Christian counseling are offered for no credit, and course materials can be accessed at any time. No grades are involved, and the courses are self-directed. In addition to counseling, these courses cover biblical and other religious topics.

    Biola University

    Biola University is a Christian institution that offers free, online video courses on its Open Biola website.

    • Ethics at the Edge of Life prepares students to counsel others dealing with important bioethical issues, such as abortion and suicide. Topics are covered from a biblical perspective.
    • Suffering allows learners to develop an understanding of the reasons for and purpose of suffering, which can be helpful for Christian counselors. The course covers such topics as death and dying, the suffering of Jesus Christ and Christian martyrs in history.

    Find schools that offer these popular programs

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    • Marriage and Family Counseling
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    Covenant Theological Seminary

    Covenant Theological Seminary (CTS) offers 8 courses in Christian counseling. The courses are in audio format, and students can listen to the first 2 lessons for most of the courses. In order to access these courses, students must sign in and register. Many of the courses were originally addressed to graduate students in the seminary, but don’t include lecture notes or exams.

    • Intro to Counseling consists of 20 lessons covering a variety of issues such as depression, suicide, sexual abuse and addictions, as well as psychological models used in Christian counseling.
    • Marriage and Family Counseling addresses Christian counseling models and concerns that often arise in pastoral or ministry counseling situations.
    • The Quest for Identity discusses what the Bible says about the question, ‘Who Am I?’.
    • Restoring a Glorious Ruin speaks to depression.
    • Sense and Sexuality shares what the Bible says about different forms of sexuality.
    • Sexual Addiction and Pornography is a 5-part lecture series designed for those planning a career in Christian counseling.
    • Sex on the Brain is a lecture by Dr. Richard Winter and further discusses sexuality topics.
    • Uncovering Our Anger is taught by Ed Killeen and discusses how anger affects people.

    Desiring God Ministries

    Desiring God Ministries provides a variety of audio and video resources, most of them involving Dr. John Piper, about topics related to Christian life and ministry.

    • Beholding Glory and Becoming Whole: Seeing and Savoring God as the Heart of Mental Health was originally given by Dr. Piper to the American Association of Christian Counselors. In the address, he discusses Ephesians 1 as a basis for pursuing mental health, among other Bible references. The lecture can be read as a manuscript, watched in video form or listened to as an audio recording.
    • God, Psychology, and Christian Care of the Soul is a set of audio lectures given at a conference for pastors who often perform Christian counseling.
    • Toward a Definition of the Essence of Biblical Counseling assesses what the Bible says about Christian counseling. The article was originally written as a paper to define Christian counseling for his church’s pastoral ministry.

    Master’s International School of Divinity

    Master’s International School of Divinity offers free online courses for those who want to learn how the Bible impacts various areas of life.

    • Biblical Foundation for Mental Health features 5 lessons with questions at the end of each. The course can help the Christian counselor understand what the Bible says about mental health and how people can experience change.
    • The Biblical Model for Marriage and Family is where students can explore what the Bible says about marriage and family. This class can inform the Christian counselor about what is and isn’t acceptable in marriage and family life, according to the Bible. Instructions and course materials are provided, but students need a copy of the Bible to review suggested readings.




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    Non-Profit Companies

    Learn more about non-profit companies by clicking one of the links below.

    What is a non-prof it company?


    • Non-profit companies are formed to promote art, science, religion, charity or other similar endeavors, or they may be formed solely for the purpose of promoting recreation for their members. Non-profit companies are governed under the Companies Act.
    • There are two types of non-profit companies – private and public.
      • Private non-profit companies have restrictions on the number of members or shareholders, the number of shares or membership transfers, and there are restrictions on invitations to the public to subscribe for shares or debentures of the company. The specific wording of the provisions can be found in the Companies Act. At least two people are needed to form a private company.
      • Public non-profit companies do not have any of the restrictions of the private companies. At least three people are needed to form a public company.

    How do I incorporate a non-profit company?

    • A non-profit name is usually made up of three parts, or elements: distinctive, descriptive and legal.
      • Here is an example of a non-profit company name that contains all three elements: Alberta Resorts Limited
      • A ‘distinctive element’ is a unique word or location that makes the non-profit company’s name different from others. In the example above, the distinctive element is ‘Alberta’.
      • A ‘descriptive element’ describes what the non-profit company is or does. The descriptive element in our example is ‘Resorts’.
      • The ‘legal element’ may be optional in certain names. If a legal element is to be used, it must be ‘Ltd.’ or ‘Limited’
    • Your non-profit company may also use a ‘number’ name, e.g. 6565651 Alberta Ltd. The numeric portion of the name is assigned by Corporate Registry. ‘Alberta’ always forms the second part of the name. You may choose to use either ‘Ltd.’ or ‘Limited’ as the legal element.

    • You won’t need a NUANS report if you have chosen to use a ‘number’ name.
    • Corporate Registry will examine this report to determine whether your group can use the name you have chosen.
    • If you choose to have a name that is similar to another corporation or non-profit group’s name, you will need to obtain written permission from that group to use the name.

    Step 3: Complete the forms (memorandum, articles, address, directors)

    • Complete a Memorandum of Association, either for a company limited by shares or a company limited by guarantee of the members.
      • The memorandum contains the company objectives. The objectives cannot indicate the company will carry on a profit-making business.
      • This document must contain a clause stating that no dividends or income will be paid to members and that all profits or any income, if any, must be used to promote the company objects.
      • In a company limited by guarantee, each member guarantees to help pay the company’s debts and liabilities before it winds up or stops carrying on its activities. The maximum amount of contribution each member must make has to be stated in the memorandum.
      • In a company limited by shares, the memorandum of association must set out details describing the shares, included the actual number of shares to be authorized.
    • Create Articles of Association
      • The articles are the operating rules for the company.
      • Companies that are ‘limited by shares’ may adopt ‘Table A’ of the Companies Act instead of creating their own set of articles. If ‘Table A’ is adopted it must be signed by the same people who signed the memorandum.
      • Companies ‘limited by guarantee of the members’ may also adopt ‘Table A’ but they must remove the provisions that refer to shares, liens, transfers and alteration of capital, etc.
    • Complete the address form.
    • Complete a directors form when the memorandum or articles indicate that the initial subscribers will also be the first directors of the company.
      • Otherwise, the directors form does not need to be completed and submitted until the first directors have been elected.

    Step 4: Submit the completed forms in duplicate, together with the NUANS report and the incorporation fee, to Corporate Registry.

    • Your information will be examined, and, if the requirements are met, a Certificate of Incorporation will be issued.

    How does my non-profit company become a registered charity, conduct a fund-raising event, or apply for a gaming licence?


    • Some non-profit companies may be eligible to become registered charities. Review the Canada Revenue Agency website for detailed information.
      • In particular, ensure your company objectives and dissolution provisions meet the ‘charitable’ requirements.
    • Your non-profit company may need to register if it plans to conduct any fund-raising activities. Learn more about Alberta’s requirements for charitable organizations.
    • The Alberta Gaming and Liquor Commission is responsible for issuing gaming licences for charitable organizations.

    How can our non-profit company handle internal disputes?


    • Non-profit companies must be prepared to resolve their own internal disputes.
    • Corporate Registry does not supervise the conduct of companies, nor does it provide a counseling service on matters other than forms and the documents filed with them.
    • To ensure that internal disputes are handled fairly, Corporate Registry recommends that the Articles of Association include a mediation or arbitration procedure.

    How can I become an effective board member for my non-profit company?


    • You can learn more about the ethical and legal responsibilities of serving on a board as well as the roles and responsibilities, committee effectiveness, recruiting and orienting board members, and board/staff relations. See Alberta Culture’s Board Development Program (BDP).
    • The BDP offers hands-on board governance workshops free of charge for nonprofit boards and has a variety of online resources that can be downloaded from its web site at no cost.

    Related services

    • Forms – Non-profit Companies

    Beginning January 1, 2013, Corporate Registry can only accept credit cards as payment for transactions when presented in person by the credit card holder. Documents received in the mail after this date that include credit card information will be returned unfiled to the submitter.

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    Founded in 1951, the National Foundation for Credit Counseling (NFCC ) is the nation’s first and largest nonprofit dedicated to improving people’s financial well-being. With nearly 600 member offices serving 50 states and Puerto Rico, our NFCC Certified Credit Counselors are financial advocates, empowering millions of consumers to take charge of their finances through one-on-one financial reviews that address credit card debt, student loans, housing decisions and overall money management. Make one of the best financial decisions of your life. For expert guidance and advice, call (800) 388-2227.





    American Association of Christian Counselors – Biblical Counseling, christian credit counseling.#Christian #credit #counseling

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    The American Association of Christian Counselors is proud to offer advanced educational opportunities through the Light University. The mission of the Light University is to educate, equip and serve people helpers everywhere to help carry out a ministry of caring Ephesians 4:12-15 and Galatians 6:2. At the Light University, we realize that today s generations are hurting deeply, searching for hope, and looking increasingly to God for answers.

    There has never been a more convenient method of getting the training needed to stay abreast of the changing times we face as Christian counselors, than through the Light University.

    Click here to visit the Light University Web site.

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    In an age when time and efficiency are at a premium, we offer you the convenience and advantage of classroom instruction that is sent to you in a variety of methods, including DVDs that you can view and review, course outlines, study notes, computer software and textbooks and now, an online distance option.

    The American Association of Christian Counselors is nationally recognized as a leading provider of advanced training and has provided benefits to thousands of Christian counselors to increase their daily counseling and ministry effectiveness. The Light University features some of the very best Christian counseling leaders and Bible teachers in the world. The American Psychological Association and National Board for Certified counselors recognize AACC as an approved provider of continuing education credit.

    AACC is committed to providing the highest level of quality in training. We are also committed to providing this educational opportunity at a cost that is more than affordable. You can be assured that you will receive the highest level of training for your dollar.

    The Light University offers quality training in a distance learning format that allows you to complete your training on your own time in your home or office. You determine your own class schedule and decide when and how you will study. This format has been designed to fit into the busy schedule of the professional caregiver.





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    Trained and experienced counselors, located at both the West Windsor Campus and James Kerney Campus, provide confidential support for students who have academic, personal or health related problems.

    The West Windsor Counseling Center, located on the second floor of the Student Center is open during these hours:

    West Windsor Campus Hours:

      Fall and spring semesters

        Monday through Thursdays 9 a.m. to 7 p.m.

      Fridays 9 a.m. to 5 p.m.

    Summers

      Monday through Friday 9 a.m. to 4 p.m.

      Drop-ins are welcome but appointments are suggested. Students can reach a counselor or make an appointment by calling 609-586-4800, extension 3423 or extension 3410.

      The James Kerney Counseling Center, located on in KC218, is open during these hours:

      James Kerney Campus Hours:

        Fall and spring semesters

          Monday through Thursday 9 a.m. to 7 p.m.

        Drop-ins are welcome but appointments are suggested. Students can reach a counselor or make an appointment by calling 609-586-4800, extension 6647.

        To learn more about specific counseling services, select any topic below.





    Debt Counseling Services, GreenPath Financial Wellness, credit counseling services.#Credit #counseling #services

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    GreenPath offers free credit counseling and debt counseling to help ease your financial stress, address your financial concerns, and develop a plan for living a financially healthy life. If you’re concerned about debt, we’ll provide options to help you get out of debt. Our caring, certified experts will partner with you to:

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    The debt counseling session can be conducted over the phone. Or, if you prefer, you can meet with us in-person at one of locations. No appointment is necessary for phone sessions. Scheduled appointments are required for in-person meetings.

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    BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

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    Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

    BBB reports the complaint response text for all reportable complaints against a business that are received electronically.

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    Does Credit Counseling Work? Initiative Reveals Cold Hard Facts #best #free #credit #score #site

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    Does Credit Counseling Work? Initiative Reveals Cold Hard Facts

    Over the years, consumers and reporters have asked me many times whether credit counseling “works.” Reporters wonder whether it’s a legitimate solution for those in debt, while debtors want to know, “Will it work for me so I can get out of debt?”

    It’s an important question. Credit counseling is often promoted as the best option for consumers who are having trouble managing debt. In fact, the Credit CARD Act requires credit card issuers to publish, on card statements, a toll-free number for consumers to get credit counseling help.

    But until recently, data about the success (or failure) rates of credit counseling programs has been hard to come by. When asked, counseling agencies will often point to numbers of consumers they have helped, or talk about the educational services they provide to consumers. Critics, meanwhile, counter that these programs offer far too little relief, only help a fraction of the people who are in over their heads, or even that counselors are really glorified debt collectors.

    Now one national counseling agency, Cambridge Credit Counseling, is revealing detailed data about its credit counseling business. Its Transparency Project finally sheds light on whether credit counseling works, and how many consumers it helps.

    “This marks the very first time I can think of when a credit counseling agency has embraced disclosing its performance measurements,” says Steve Rhode, founder of GetOutOfDebt.org. Rhode formerly founded and ran a national credit counseling agency. When writing this story, I asked the National Foundation for Credit Counseling whether similar information was available from member agencies, but I was told it was not.

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    First, some quick background: When consumers contact a credit counseling agency, they are typically offered a counseling session where they share information about their income, expenses and debts. As a result of that consultation, they may be offered a Debt Management Plan (DMP). Debtors who decide to enroll in a DMP will receive concessions from some or all participating creditors, usually in the form of lower interest rates and/or waiver of penalty fees such as late fees. In a DMP, debtors must typically repay 100% of the principal balance owed, plus interest, to participating creditors within 60 months or less.

    According to Cambridge Credit Counseling’s Transparency Project’s 2010 results:

    • After a comprehensive credit review, counselors recommended a Debt Management Plan (DMP) to just over one-third (34%) of consumers. Just under one-quarter (23%) of consumers enrolled in a DMP.
    • Of those who enrolled in a DMP, the typical Cambridge client received an interest rate reduction from 21.62% to 7.96%, saving $181.86 in interest charges per month. Payments were reduced by $192.70.
    • In 2010, Cambridge clients who completed their DMP had done so in an average of 41 months.
    • Clients paid an average initial fee of $41.55 and $24.99 per month for the service.  (Fees were waived or reduced for about 27% of clients.) Creditors also paid the agency an average $12.32 per account per payment, in what’s called “Fair Share.”

    So now let’s go back to the question, “Does credit counseling work?” Here are the conclusions I drew

    Debtors who enroll in a DMP do, for the most part, get the relief they seek. Most consumers are looking for lower interest rates and payments, and if they enroll in a DMP, they typically get both. That, in addition to the convenience of one monthly payment paid to the agency, makes a difference. In fact, Cambridge’s 2010 Quality Survey indicates that overall client satisfaction was 97.9% for new clients and 96.7% for existing clients.

    In addition, clients in DMPs often develop better financial habits. At the 6-month mark, 75.9% of Cambridge Credit Counseling clients said they had reviewed or revised their budgets, 62.4% were tracking expenses, and 27.7% were building savings.

    The majority of debtors who contact a credit counseling agency will not be helped. Despite those positive numbers, just under one-quarter of consumers who contacted this credit counseling agency enrolled in a Debt Management Plan, the key product offered. To be fair, Christopher Viale, the president and CEO of Cambridge Credit Counseling Corp. estimated that roughly 20% of consumers who contact his organization “can manage their debt on their own, they just need some fine-tuning of their budget.” He also pointed out that some debtors who don’t enroll in a DMP when it is first proposed “come back later when they realize they can’t do it alone.”

    Not all clients who enroll in a DMP complete it, either. Some drop out for positive reasons (such as getting back on track, or paying off their remaining debt more quickly), while others drop out for negative reasons (because they can’t keep up with their payments, or to file for bankruptcy, for example). Cambridge reported losing 16.7% of its DMP client base in 2010.

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    What’s Next?

    Other counseling agencies should be required to reveal these kinds of numbers. If creditors are going to be required to refer consumers to these agencies under federal law, there is no reason they shouldn’t be required to make this kind of information public. While I suspect the numbers Cambridge Credit Counseling has disclosed are be similar to those of other reputable national counseling agencies, it is critical that regulators, policymakers and consumers have access to this type of data.

    Secondly, legislators need to take a serious look at whether enough is being done to assist consumers who want to pay back their debt and avoid bankruptcy. Bankruptcy laws were tightened in 2005 (before the economic meltdown), making it more difficult to file for bankruptcy. Viale estimates that about 30% can’t afford the payments proposed under a DMP. If that s correct, legislators need to take a hard look at whether more consumers could participate in DMPs if creditors offered better concessions, including reductions of interest to 0% and/or less-than-full-balance payment programs.

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    Gerri Detweiler focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies. She is also the co-author of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights. and Reduce Stress: Real-Life Solutions for Solving Your Credit Crisis as well as host of TalkCreditRadio.com.

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