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CCMS Newsletter Sept 26, 2011
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"OPEN HOUSE" for Those Hardest Hit by the Foreclosure Crisis
Consumer Credit Management Services, Inc. will host an "OPEN HOUSE" for homeowners seeking assistance from the State’s Hardest Hit Program.
The program assists homeowners at risk of foreclosure by providing up to six months of mortgage payment assistance at no cost to the borrower.
Homeowners are invited to meet with an advisor who will walk them through the application process and determine eligibility.
The open house will be held Saturday, Oct. 1, 2011 from 9:00 AM - 3:00 PM at the offices of CCMS, 315 NE 2nd Avenue, Delray Beach, FL. To R.S.V.P. call (877) 506-9086.
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New Bureau Established to Resolve Consumer Complaints about Credit Card Companies
By Kevin Maher
Director of Education
To help address some of the frustrations regarding consumer relations with credit card companies, Congress established the Bureau of Consumer Financial Protection (CFPB) which officially “opened for business” July 21, 2011. It's a good place to start to complain about your credit card company.
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Teaching Children Good Money Habits – Start them Early!
By Maria A. Gaitan, President & CEO
Children learn most habits from their parents and that is especially true when it comes to managing their finances. Schools do not teach all that it is needed in today’s economic environment, so it is now more important than ever to start early when teaching children good money habits and the basic concepts of financial awareness.
The following suggestions can be useful in teaching your children smart financial skills that will help them be financially smart throughout their life.
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Using a HUD-approved Counselor can Increase Chances of Successful Loan Modification
by John McCarthy, Housing Counselor
 Do you have an FHA loan? Is your loan owned by Fannie Mae or Freddie Mac? Has the owner of the loan agreed to comply with the (Home Affordable Modification Program) HAMP guidelines? The answers to these questions may determine the success of your loan modification. This is not the time to take a chance on a scam, or pay for inexperience when help is available and FREE.
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Housing Counselors Take the ‘Scary’ Out of First Time Home Buying
by Alex Borge, Housing Counselor
 Buying your first home can be scary. Many things come into play when you are making what is likely to be the biggest purchase in your life. Fortunately, HUD-approved housing counselors can help you throughout the home buying process. Here are five ways a HUD-Approved housing counselor can help when you are getting ready to make your home purchase:
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About CCMS: Established more than 20 years ago, Consumer Credit Management Services, Inc. (CCMS) is a HUD approved 501(c)(3) national nonprofit, full service credit and housing counseling organization based in Delray Beach, Florida. We provide Financial Literacy Seminars and Workshops, First Time Homebuyer Counseling, Debt Management Programs, Foreclosure Prevention Services and Reverse Mortgage Counseling.
315 NE 22nd Ave. Delray Beach, FL 33444 Tel: (561) 278-4097 Toll Free: (800) 473-3328 Fax: (561)278-4061
Email: info@debt-mgt.org
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