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UNITED STATES CREDIT COUNSELING AND CONSOLIDATION Updated Feb 13, 2008 For debt consolidation and credit counseling, any of the following resources can be used. For credit problems with a legal component, use CLC for both the US and Canada. Credit Card Consolidation: 1) American Consumer Credit Counseling, Inc. 130 Rumford Avenue, Suite 202 Newton, MA 02466-1316 866-464-5237 x506 – Simply give this phone number. Contact for contractual and complaint issues: Bob Currier Coverage Area: United States – all 50 states Criteria: a) At least $1,000 in unsecured debt b) Credit Cards c) All Other Unsecured Debt, except Cell Phone plans Fees: No Sign Up Fee $3 /month for each account/ $25 per month Credit & Budget Education: Online Smart Money School Includes report to Credit Bureau 2) AAA Cook County Consolidation, Inc. 736 North Lincoln Avenue, Suite 101 Lincolnwood, IL 60646 800-865-4357 – Give member this number and have them ask for Jim Copetas. This will let AAA know that this is an ESI Referral. Contact for contractual and complaint issues: Jim Copetas Coverage Area: United States, 49 States, except New York (2005 priority to get approved in New York) Criteria: a) At least $2,000 b) Credit Cards only Fees: $10 Set up Fee $10.month Credit & Budget Education: Credit is Credit When Due course via mail (Online by mid 2005) 3) American Debt Resources, Inc.- (They also provide Telephonic $$ Counseling Services) 209 Main Street, Suite #2 Northport, NY 11768 800-498-0766 x160 – Simply give this phone number Contact Person for contractual & complaint issues: Nicholas Campisi (x130) Coverage Area: Telephonic –All US and Canada This is a unique offering, will provide personal budget and debt counseling over the phone. * Credit Card Consolidation: 42 States States NOT covered for Credit Card Consolidation (Connecticut, Illinois, Kansas, Maryland, Michigan, Mississippi, Virginia and Wisconsin) Criteria: All Unsecured Debt Fee: $0 for Telephonic Counseling(no time limit) $ 0 Sign Up Fee $ 5/month per account/ Max $45 per month 4) Credit Guard of America 5301 North Federal Highway, Suite 230 Boca Raton, FL 33487-4905 800-500-6489 –Simply give member this phone number. Contact for contractual and complaint issues: Gary Rossman Coverage Area: United States, 49 States, except Michigan Criteria: a) At Least $2,000 b) Credit Cards only Fees: No Sign Up Fee $25-49 per month depending on number of cards Budget and Credit Education: Online Other Unique Features: a) Credit Coach: Personal & Telephonic b) Identity Theft Monitor 5) Consumer Credit Counseling Service National Foundation for Credit Counseling Coverage All 50 States: Agency Locater- 800-388-2227 Website: www.nfcc.org Regional Sites Approved by NYS Banking Department: Amherst/Western New York : (716) 854-1710/ (800) 926-9685 Rochester : (585)-546-3440 Syracuse/Central New York : (315) 474-6026/ (800) 479-6026 FOR HOMEOWNERS: 6) Capital Resolution Services, Inc. 500 Pine Street, Suite 12 Jamestown, NY 14701 800-823-2469 – Simply give member this number, giving name of Tim Townes is optional. Contact for contractual and complaint issues: Tim Townes Coverage Area: United States- 50 states Criteria: Mortgage holders: Find refinancing for secured, unsecured debt, as well as credit cards. Telephonic Coaching focusing on needs of each case. Fee: No Sign Up Fee 10-15% of depending on type of credit restructure Credit Education: Online NOTE 2/08: Capital Resolution reports their ability to get refinancing for our members has become restricted due to the credit crisis with ARM's and subprime mortgages. Capital Resolution said they are still able to find refinancing for a minority of cases. However, where they are successful more than 75% of the time, is when the member is behind and facing foreclosure. Their lending sources will provide refinancing most of the time for members who are this level of financial difficulty. 7) Federal HUD has developed a national network of local Housing Counselors at 800-569-4287. These counselors have several programs to avoid foreclosure, plus refinancing with FHA. FOR LEGAL, BANCRUPCY, TAX ISSUES: 8) CLC 4170 Dagan Blvd Granite Bay, CA 95746 800-541-9701 – Simply give this number, remind to press #1, and provide authorization number. Contact for contractual and complaint issues: Curt Padilla, x3330 (ESI Account Manager) Coverage: United States & Canada Criteria: a) At least $2,500 b) Credit Cards only Fee: ES charged for each referral/Mbr sent to CCCS or selected vendors CLC Distinctives: Credit &Budget Education: Telephonic Coaching(30-60 minutes) Mailed Materials (Online courses in 2005) Other Telephonic Coaching: Taxes Retirement Financial Planning College Financial Planning 9) Culbertson Financial Services- (Glenn O. Hawbaker & Stone Valley Construction Mbrs ONLY!) 3075 Enterprise Drive, Suite 200 State College, PA 16801 814-231-4710 – Simply give member this phone number. Contact Person: R.Scott Culbertson, CFP, CEBS Coverage: Glenn O Hawbaker employees (***This is part of the Hawbaker contract, that Hawbaker employees get this at no additional charge as part of their EAP benefit***) Stone Valley Construction employees (* Other State College, PA area employers may be added in the future.*) Criteria: Personal Budget Counseling, Financial & Retirement planning, Credit Consolidation Fee: Glenn O Hawbaker employee - $0
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