GN WK003 - Standard Letter Template



ACCC Housing Counseling Department Disclosure StatementThis statement briefly describes the various types of services provided by American Consumer Credit Counseling (ACCC) and any financial relationship between our organization and any other industry partners. Further, it states that any client of the ACCC Housing Counseling Department is not obligated to receive or use any services offered by ACCC or its exclusive partners. Online Homebuyer Education: ACCC is approved by MassHousing and Framework to provide online homebuyer classes in Massachusetts and nationally. Online homebuyer education education prepare consumers for the home buying process and home ownership. A certificate required by lending programs is provided to participants who complete the class. The fee for the online class is $75. Reverse Mortgage Counseling: ACCC provides telephone and one-on-one fee-based ($175) reverse mortgage counseling resulting in certification to qualified borrowers. In-home counseling may be arranged for an additional fee. High-Interest Loan Counseling: ACCC works with borrowers required by law to review their plan, budget, and goals for the loan. A letter of certification and three-month follow-up is provided. The fee is $150.Bankruptcy Counseling: ACCC is approved by the EOUST to offer pre-bankruptcy counseling as well as post-bankruptcy debtor education. ACCC provides the mandatory counseling and education per the EOUST and also provides the required certifications as well. Counseling is provided in person, via internet and by telephone. The fee is $49 for the pre-bankruptcy counseling certificate and $39.00 for the post-bankruptcy debtor education certificate.Credit Counseling: ACCC’s credit counseling services offer many benefits to help consumers regain control of their finances. Our objective in this area is to assist individuals and families with all aspects of credit and budgeting. The budgeting /credit counseling sessions can lead to possible enrollment in a debt management plan to address the individual or family’s unsecured debts as well. Nominal fees are charged. The fee is $39.00 for a debt management program enrollment and $5.00 per account.Student Loan Counseling: ACCC provides student loan counseling to consumers who are having difficulty repaying their student loans, are delinquent or may have already defaulted. ACCC’s certified student loan counselors provide a full review of the consumer’s financial picture and provide available options to address their student loan issues. The fee is $149.00 for the in-depth evaluation and counseling session with a detailed action plan and $199.00 for the completion of the client’s paperwork for submission. Financial Literacy Education: ACCC offers free financial literacy workshops in such areas as credit building, credit analysis, financial planning, and identity theft. ACCC is committed to providing equal opportunities to all clients and does not discriminate against individuals on the basis of race, creed, color, religion, gender, sexual orientation, nationality, marital status, age, or disability in the administration and provision of services to the public. ACCC will not tolerate acts deemed to constitute discrimination or harassment based on gender, sexual orientation, race, creed, color, religion, national origin, marital status, age, disability, or any other characteristic protected by law. Guided by Title VI of the Civil Rights Act of 1964 and the Americans with Disabilities Act of 1990, and HUD, ACCC takes reasonable steps to ensure Limited English Proficient (LEP) counseling clients and legally disabled clients receive meaningful access to counseling and information. In such cases, ACCC first makes efforts to utilize its staff. If interpreting services are required, ACCC can recommend interpreter services from a list compiled from online sources and personal recommendations. As stipulated by HUD, ACCC will bear a reasonable cost for the interpreter or may refer the client to another agency that can meet the client’s needs. Please initial and date below to acknowledge receipt and understanding of this form. Thank you.Signature: ____________________________________ Date: _____________Signature: ____________________________________ Date: _____________ ................
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