Family Financial Tracking A template for tracking financial stability programs using ETO Software
|
|
|
- Florence Fitzgerald
- 8 years ago
- Views:
Transcription
1 Family Financial Tracking A template for tracking financial stability programs using ETO Software Copyright and Disclaimer Notice Local Initiatives Support Corporation This work is protected by United States copyright law. Apart from any use as permitted by the U.S. Copyright Act, no part of this document may be reproduced, distributed, transmitted, or published without the express written permission of Local Initiatives Support Corporation. You may not alter or remove any copyright notice or proprietary legend contained in or on this document. Local Initiatives Support Corporation does not guarantee the accuracy, completeness, or usefulness of any content in this document or its fitness for any particular purpose.
2 FFT What We Track Demographics: information gathered at program entry that generally doesn t change over time Assessments: snapshots of client circumstances taken at program entry, and then repeated at intervals to see how client circumstances change Education Records: basic information about each training /school attended by the client during his/her participation in the program Employment Records: basic information about each job held by the client during his/her participation in the program Service Plans: a running record of all issues that counselors and clients are working on together - a client can be working on multiple issues at any given time Story Outcomes: individual issues that are tracked over time on Service Plans as stories with a beginning, middle and end (based on tracking methodology licensed by LISC from Project Match) a credit card, for example, is a story in FFT that may start with the opening of the card, continue through the use of the card (noting when fees are charged, or just minimum balances are being paid), and then end when the card is closed and no money is owed to the credit card company. The story of a credit card can play out in myriad ways but FFT makes it possible to tell each story through a finite set of customized codes.
3 FFT Assessments FFT Combined Financial Assessment (CFA): a comprehensive assessment of client financial circumstances, completed at program entry and then at intervals Basic Profile Credit Report Budget Household Composition Products/Practices Red Flags Participant Present? Credit Report Credit Score Revolving Accounts Foreclosure / Bankruptcy Collections Delinquencies Monthly Income Monthly Expense Monthly Net Income (auto calculated) Monthly Savings Target Balance Sheet Assets Liabilities Net Worth (auto calculated) Vision Vision of Financial Future Steps to Get There (with completion dates) DRAFT 9/9/11 CFA Data Sources: Key Outcomes: Budget Increase in Net Income Balance Sheet Increase in Net Worth Credit Report / Score Increase in Credit Score
4 FFT Service Plans / Story Outcomes Story Outcome CATEGORIES (Financial Counseling) Transacting Saving Insurance Administrative Issues / Errors / Disputes New Credit / Debt Transportation Housing Debt Resolution Story Outcomes (Income Support Counseling) Emergency Cash Assistance Child Care Subsidies FAFSA Financial Aid (grants) Food Stamps / WIC Head Start / Early Head Start Medical Benefits SSI / SSD Subsidized Housing Unemployment Compensation Utility Assistance TANF Story Outcomes (Employment Counseling) Job Search Education / Training Search
5 FFT Customized Reports FFT Budget/Balance Sheet Report (Participant Level): FFT generates this report to configure personal budget and balance sheet data from the Combined Financial Assessment into easy to read standard budget and balance sheet formats FFT Detailed Outcome Report (Participant Level): This report provides a chronological record, per client, of the issues addressed over time, and how each one progressed from beginning, middle to end. FFT Summary Performance Report (Program Level): This customized report allows program staff and other stakeholders to easily view aggregated program data the report makes it possible to quickly do three things.1) understand whether program staff have mastered the tracking system, 2) understand whether program staff are entering all the required data, and 3) assess how the program is performing overall. Among the many outcomes lifted up through this report are Program-wide Job Placements Program-wide Job Retentions Program-wide Education/Training Enrollment & Completion Program-wide Benefit Approvals and Amounts Program-wide Increases in Net Income Program-wide Increases in Credit Score Program-wide Increases in Net Worth Program-wide Participation Numbers
6 For more information CONTACT: Jennifer D. McClain Senior Program Officer Local Initiatives Support Corporation 135 S. LaSalle St., #2230 Chicago, IL Phone: Fax: Copyright and Disclaimer Notice Local Initiatives Support Corporation This work is protected by United States copyright law. Apart from any use as permitted by the U.S. Copyright Act, no part of this document may be reproduced, distributed, transmitted, or published without the express written permission of Local Initiatives Support Corporation. You may not alter or remove any copyright notice or proprietary legend contained in or on this document. Local Initiatives Support Corporation does not guarantee the accuracy, completeness, or usefulness of any content in this document or its fitness for any particular purpose.
Financial Empowerment Curriculum Moving Ahead Through Financial Management. Workshop Credit Overview
Financial Empowerment Curriculum Moving Ahead Through Financial Management Workshop Credit Overview 1 Workshop Objectives Explain why credit is important. Access and read a copy of your credit report.
Jobs are not enough. LISC National: Financial Opportunity Centers (LISC Chicago: Centers for Working Families)
Jobs are not enough * Resident input during Quality-of-Life Physical Planning sessions in Chicago, 2002-2004 LISC National: Financial Opportunity Centers (LISC Chicago: Centers for Working Families) Financial
Credit Score Management Seminar. Manage, protect and improve your Credit Score!
Credit Score Management Seminar Manage, protect and improve your Credit Score! Overview What is a Credit Score How Lenders Use Your Credit Score How Your Credit Score Impacts You What Makes Up Your Credit
FFT Required Demographics for EC, FC, IC (and Intake, if applicable)
FFT Required Demographics for EC, FC, IC (and Intake, if applicable) Name (last, first, middle initial) Date of Birth (month/day/year) Street Address City, State, Zip Email Home Phone Cell Work FFT - Gender:
Understanding Credit. Megan Stearns, Credit Counselor
Understanding Credit Megan Stearns, Credit Counselor Obtaining your free credit report will lower your credit score. Closing old accounts can help your credit score. Paying off the balances on your credit
Financial Empowerment Curriculum. Moving Ahead Through Financial Management. Module Three: Mastering Credit Basics
Financial Empowerment Curriculum Moving Ahead Through Financial Management Mastering Credit Basics Reviewing, Understanding and Improving Your Credit Module 3: Mastering Credit Basics Time Clock: 11:00-12:00
UNITED WAY OF METROPOLITAN CHICAGO
UNITED WAY OF METROPOLITAN CHICAGO INCOME ISSUE AREA MEASUREMENT FRAMEWORK JULY 1, 2013-JUNE 30, 2015 FINANCIAL CAPABILITY Improve financial management & build savings INCOME MEASUREMENT FRAMEWORK EMPLOYMENT
Resident & Community Services Programs
Resident & Community Services Programs 1 RCS Mission RCS programming is designed to improve the quality of life for residents of the Denver Housing Authority and neighboring communities by offering empowerment
Finding A Yardstick: Field Testing Outcome Measures for Community-based Financial Coaching and Capability Programs
Finding A Yardstick: Field Testing Outcome Measures for Community-based Financial Coaching and Capability Programs Measurement Tools J. Michael Collins University of Wisconsin- Madison 2013 1 The Coaching
Solving the Credit Puzzle. L G & W Federal Credit Union
Solving the Credit Puzzle L G & W Federal Credit Union Knowledge Check How much do you already know about credit scoring? Sample Credit Report Credit Bureaus Equifax TransUnion Experian Who Can Pull Your
Pre-Purchase Counseling Application
Pre-Purchase Counseling Application Guidance on purchasing a home and qualifying for downpayment assistance Pre-purchase counseling helps prepare the first-time homebuyer for the home purchase process
IMPROVING YOUR CREDIT AND DEBT
IMPROVING YOUR CREDIT AND DEBT The Credit & Debt Problem Americans are loaded with credit-card debt. The average American household with at least one credit card has nearly $15,950 in credit-card debt
How to improve your FICO Score in perilous times By Blair Ball. National Distribution of FICO Scores
How to improve your FICO Score in perilous times By Blair Ball When you re applying for credit whether it s a credit card, a car loan, a personal loan or a mortgage lenders want to know your credit risk
UNIVERSITY OF MARYLAND COLLEGE PARK RETURNING STUDENTS PROGRAM OF THE COUNSELING CENTER NEWCOMBE/PORTNEY SCHOLARSHIP INFORMATION SHEET SPRING 2016
NEWCOMBE/PORTNEY SCHOLARSHIP INFORMATION SHEET SPRING 2016 Two scholarship funds for adult students are available through the Returning Students Program of the Counseling Center. The Returning Students
2014-2015 Dependent Verification Worksheet
2014-2015 Dependent Verification Worksheet Complete and return this form with the required documentation to: Office of Financial Aid and Scholarships 102 Aldrich Hall Irvine, CA 92697-2825 Phone: 949-824-8262
How to Stop and Avoid Foreclosure in Today's Market
Solutions Home Buyers, Inc. 800-478-9213 ext. 700 SolutionsHomeBuyersFL.com How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company
DATA INTAKE FORM. Email Address: Fax: Send authorization via: LOAN INFORMATION
DATA INTAKE FORM Date: Call In or Walk In CMAX #: Hud# Start Time: End Time: Borrower: DOB: Age: DOB: Age: Gender: M F Race Hispanic: Y N Gender: M F Race Hispanic: Y N Education level: Military Status:
EXECUTIVE SUMMARY SUMMARY OF FINDINGS THROUGH JULY 31, 2015. 1. Review of Marketing Materials
EXECUTIVE SUMMARY In connection with its acquisition and operation of various Everest and Wyotech campuses and on-line programs, Zenith Education Group ( ZEG or Zenith ) voluntarily agreed with the U.S.
Business Funding Evaluation YOUR BUSINESS NAME
Business Funding Evaluation Prepared Exclusively For: YOUR BUSINESS NAME YOUR ADDRESS & CONTACT Prepared By: The Credit and Funding Pros Thank You For Allowing Us to Serve You! Business Funding Evaluation
Medical School Loan Repayment & Building Credit
Medical School Loan Repayment & Building Credit Presented by: Thomas Murphy Harvard University Employees Credit Union Presentation Objectives Medical School Loan Overview Forbearance or Repayment Understanding
2015-2016 Dependent Verification Worksheet
2015-2016 Dependent Verification Worksheet Complete and return this form with the required documentation to: Office of Financial Aid and Scholarships 102 Aldrich Hall Irvine, CA 92697-2825 Phone: 949-824-8262
The nuts and bolts of consumer and business credit reporting
The nuts and bolts of consumer and business credit reporting Making sure your personal credit report doesn t cause a credit breakdown for your small business 2014 Experian Information Solutions, Inc. All
2014-2015 Independent Verification Worksheet
2014-2015 Independent Verification Worksheet Complete and return this form with the required documentation to: Office of Financial Aid and Scholarships 102 Aldrich Hall Irvine, CA 92697-2825 Phone: 949-824-5338
How to Stop and Avoid Foreclosure in Today's Market
How to Stop and Avoid Foreclosure in Today's Market This Guide Aims To Help You Navigate the foreclosure process [Type the company name] Discover all of your options [Pick the date] Find the solution or
Understanding How Insurers Use Credit Information
Understanding How Insurers Use Credit Information UNDERSTANDING HOW INSURERS USE CREDIT INFORMATION Many personal auto and homeowners insurance companies look at several factors, including consumer credit
UNDERSTANDING HOW INSURERS USE CREDIT INFORMATION
The State of New Hampshire Insurance Department 21 South Fruit Street, Suite 14 Concord, NH 03301 (603) 271-2261 Fax (603) 271-1406 TDD Access: Relay NH 1-800-735-2964 Roger A. Sevigny Commissioner Alexander
Your Credit Score. It s Not As Bad Or As Permanent As You May Think. Presented by Jennifer Matthews, MBA President and CEO
Your Credit Score It s Not As Bad Or As Permanent As You May Think Presented by Jennifer Matthews, MBA Things to Know What a credit score is Where to get a free credit report What goes into your credit
Improve Your Credit Put Bad Credit Behind You
Improve Your Credit Put Bad Credit Behind You Improve your credit While it s possible to get by without credit, access to credit is essential for buying a home, financing a car or getting a credit card.
YOUR MONEY, YOUR GOALS. A financial empowerment toolkit for community volunteers
YOUR MONEY, YOUR GOALS A financial empowerment toolkit for community volunteers Consumer Financial Protection Bureau April 2015 Table of contents INTRODUCTION PART 1: Volunteers and financial empowerment...
How To Check Your Credit Report For Not Credit History
Your Credit Report P.O. Box 15128 Spokane Valley, WA 99215 800.852.5316 www.hzcu.org You may not think about them every day, but your credit report and the three little digits that make up your credit
Credit Building across Sectors. Assets Learning Conference September 17, 2014
Credit Building across Sectors Assets Learning Conference September 17, 2014 Justine PETERSEN Building Assets, Changing Lives Since 1997: One-on-one credit building with over 25,000 individuals, Assisted
IMPROVE YOUR CREDIT SCORE. Effective Credit Management At Your Fingertips
IMPROVE YOUR CREDIT SCORE Effective Credit Management At Your Fingertips Introduction In this ebook, you will get valuable information including: What is a credit score The score breakdown Managing your
NCUA LETTER TO CREDIT UNIONS
NCUA LETTER TO CREDIT UNIONS NATIONAL CREDIT UNION ADMINISTRATION 1775 Duke Street, Alexandria, VA 22314 DATE: August 2010 LETTER NO.: 10-CU-15 TO: SUBJ: REF: Federally Insured Credit Unions Indirect Lending
Currently Renting How long at this address? Own My Home How many in the household?
A. Client Information INTAKE FORM Last Name First Name Middle Initial Street Address City, State & Zip Best Phone Number(s) to Reach You Email Address Currently Renting How long at this address? Own My
Imagine How It Would Feel Not To Worry About Debt. Primerica. Debt Resolution. Customized Debt Solutions
Imagine How It Would Feel Not To Worry About Debt Primerica Debt Resolution Customized Debt Solutions Are you struggling and feel overwhelmed by your personal debt situation? Do you want to get out of
2015-2016 Independent Verification Worksheet
2015-2016 Independent Verification Worksheet Complete and return this form with the required documentation to: The Paul Merage School of Business SB1 Room 4601 Irvine, CA 92697-3125 Phone: 949-824-9585
Foreclosure Prevention Counseling Workshop
Foreclosure Prevention Counseling Workshop Counselor role and process The counselor will look at all of your documents to assess your situation The counselor will lay out all of your options The counselor
The ABCs of Credit Credit Scores Establishing Credit Maintaining Good Credit Credit Cards Managing Credit Challenges
The ABCs of Credit Credit Scores Establishing Credit Maintaining Good Credit Credit Cards Managing Credit Challenges CREDIT DEFINITIONS Credit Trust given to another person for future payment of a loan,
Understanding, managing, and rebuilding your credit
Understanding, managing, and rebuilding your credit Objective Bank of America is committed to providing information that will help you understand the effect credit can have on lending, and what you can
COMPENSATING FACTORS FOR FHA
COMPENSATING FACTORS FOR FHA Key Points Credit Only allowed for Case numbers assigned on or after 4/1/13 for borrowers with FICO s at 620 or less with Debt to Income (DTI ) ratios above 43%. Even if broker
submitted with your IDA application. Incomplete applications cannot be considered.
FOR OFFICE USE ONLY Date submitted: Program Staff: Oregon IDA Application Form Please fill out this application completely to the best of your ability. Refer to the checklist, on the last page, for required
Mary Dupont Delaware Director of Financial Empowerment September 2012. www.standbymede.org
Mary Dupont Delaware Director of Financial Empowerment September 2012 www.standbymede.org CRITICAL FINANCIAL CHALLENGES Many low-income working families have traditionally struggled with the following
YOUR MONEY, YOUR GOALS. A financial empowerment toolkit for Social Services programs
YOUR MONEY, YOUR GOALS A financial empowerment toolkit for Social Services programs Consumer Financial Protection Bureau April 2015 Table of contents MODULE 1: Introduction to the toolkit...1 An introduction
Early Childhood Program Business 101: Basic Business Planning for Growth. Presented by: Janice Lopez Women s Business Development Center
Early Childhood Program Business 101: Basic Business Planning for Growth Presented by: Janice Lopez Women s Business Development Center Welcome In this Webinar you will: Obtain tools to develop a business
Debt Collection From the Debtor s Perspective. A Few Facts About the Debt Burden of American Households. Debt Facts 8/14/2013
Debt Collection From the Debtor s Perspective Linda Cook Senior Staff Attorney Ohio Poverty Law Center lcook@ohiopovertylaw.org 2013 Ohio Poverty Law Center A Few Facts About the Debt Burden of American
Foreclosure Prevention Process
NHS of the Fox Valley One American Way Elgin, IL 60120 Phone: (847) 695-0399 Fax: (847) 695-7011 Foreclosure Prevention Process How to OBTAIN a one-to-one consultation with a HUD-certified counselor please
31-R-11 A RESOLUTION ADOPTING THE CITY OF EVANSTON IDENTITY PROTECTION POLICY. WHEREAS, The Fair and Accurate Credit Transactions Act of 2003,
5/23/2011 31-R-11 A RESOLUTION ADOPTING THE CITY OF EVANSTON IDENTITY PROTECTION POLICY WHEREAS, The Fair and Accurate Credit Transactions Act of 2003, Public Law 108-159, requires municipalities to promulgate
Chapter 06. What is Consumer Credit? Chapter 6 Learning Objectives. Introduction to Consumer Credit
Chapter 06 Introduction to Consumer Credit McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 6-1 Chapter 6 Learning Objectives 1. Define consumer credit and analyze
3. You can complete this form to apply for our help. To submit this paper application you can:
Montana Legal Services Association Application for Assistance HOW TO APPLY FOR HELP: 1. You can call MLSA s HelpLine at: 1-800-666-6899 The HelpLine is answered Monday Friday from 7:30 am to 6:00 pm. Sometimes
Positioning Your Practice for Success
TM Positioning Your Practice for Success Charge, Collection and Accounts Receivable Analysis Tutorial Version 1.0 Charge, Collection and Accounts Receivable Analysis. Copyright MedicalGPS TM, LLC 2007
The Student Debt Dilemma: History, Implications & Potential Solutions. Carol S. Lewis, Esq. C.S. Lewis Consulting November 14, 2012
The Student Debt Dilemma: History, Implications & Potential Solutions Carol S. Lewis, Esq. C.S. Lewis Consulting November 14, 2012 NECAG Our Mission: To Identify and Address Consumer Financial Protection
Opportunity for the public to receive free, nostrings-attached, from highly qualified and experienced financial planners
Volunteer Boot Camp How to successfully provide pro bono financial advice at the! What is? Opportunity for the public to receive free, nostrings-attached, financial advice and education from highly qualified
Your Guide to Bankruptcy for Individuals
Consumer Legal Guide Your Guide to Bankruptcy for Individuals ILLINOIS STATE BAR ASSOCIATION ASK A LAWYER WHAT IS BANKRUPTCY? Bankruptcy is a court proceeding that is governed by the federal law known
Dear Community Kitchen Academy Applicant:
Dear Community Kitchen Academy Applicant: Thank you for your interest in the Community Kitchen Academy Training Program. Our training is 13 weeks long and will meet daily 9:00 A.M. to 3:00 P.M., Monday
BUSINESS MICROLOAN APPLICATION. Quin Rivers, Inc.
BUSINESS MICROLOAN APPLICATION Quin Rivers, Inc. 12025 Courthouse Circle, New Kent, VA 23124-0208 Tel: (804) 966-8752 Fax: (804) 966-8739 Thank you for contacting Quin Rivers for a business loan. The basic
Kane County Foreclosure Redevelopment Program. Home Buyer Application
Kane County Foreclosure Redevelopment Program Home Buyer Application To apply to purchase a home that was redeveloped under the Kane County Foreclosure Redevelopment Program Please follow these three easy
HMIS Annual Assessment Form
Name/Identification and Contact Information: Legal First Name: Legal Last Name: Program Name: Case Manager: HMIS consent form signed? Middle Name: Suffix: Program Entry Date: / / Date of Assessment: /
Appendix A JOB DESCRIPTION: BENEFITS SPECIALIST. Purpose 1 :
Appendix A JOB DESCRIPTION: BENEFITS SPECIALIST Benefits Planning, Assistance and Outreach Purpose 1 : This position will provide benefits planning, assistance and outreach and management support too SSA
DEPARTMENT OF HUMAN RESOURCES SOCIAL SERVICES ADMINISTRATION 311 WEST SARATOGA STREET BALTIMORE, MARYLAND 21201
DEPARTMENT OF HUMAN RESOURCES SOCIAL SERVICES ADMINISTRATION 311 WEST SARATOGA STREET BALTIMORE, MARYLAND 21201 DATE October 1, 2009 Policy # SSA # 10 13 TO: Directors, Local Departments of Social Services
MONTANA JUDICIAL DISTRICT COURT COUNTY
Name Address City State Zip Code Phone Number [ ] PETITIONER/[ ] RESPONDENT PRO SE MONTANA JUDICIAL DISTRICT COURT COUNTY In re the Marriage of:, Petitioner, and, Respondent. Cause No.: [ ] Petitioner
MONTANA JUDICIAL DISTRICT COURT COUNTY
Name Address City State Zip Code Phone Number WIFE, PETITIONER PRO SE Name Address City State Zip Code Phone Number HUSBAND, PETITIONER PRO SE MONTANA JUDICIAL DISTRICT COURT COUNTY In re the Marriage
MANAGING CREDIT101 TM %*'9 [[[ EPXEREJGY SVK i
MANAGING CREDIT101 TM i This book is intended as a general guide to the topics discussed, and it does not deliver accounting, personal finance, or legal advice. It is not intended, and should not be used,
FINANCIAL EDUCATION AND CAPABILITY MEASUREMENT TOOLS - ADULT
FINANCIAL EDUCATION AND CAPABILITY MEASUREMENT TOOLS - ADULT The Success Measures Financial Education and Capability Tools document changes in consumers financial attitudes,behaviors, and resilience resulting
Applicant Information
Page 1 of 12 Applicant Information Parent or Guardian Information Prefix First Last test test Middle Suffix Mailing Address 1726 W 25th St City State Zip Los Angeles CA 90018 County of Residence Country
Personal Financial Literacy 2014
A Correlation of Table of Contents Standard 1: Income... 3 Standard 2: Money Management... 5 Standard 3: Spending & Credit... 7 Standard 4: Saving & Investing... 11 2 Course Description is a course designed
Providing legal help for low-income and disadvantaged people in Missouri. How to Avoid Losing Your Home in a Mortgage Foreclosure - Revised 2006.
Missouri Legal Aid Programs Providing legal help for low-income and disadvantaged people in Missouri www.lsmo.org Home Foreclosures How to Avoid Losing Your Home in a Mortgage Foreclosure - Revised 2006.
CREDIT & BUDGET COUNSELING CHECKLIST. Completed Housing Intake Forms Including Budget Sheet, Release of Information, & Privacy Statement
CREDIT & BUDGET COUNSELING CHECKLIST PLEASE BRING EACH OF THE FOLLOWING TO YOUR APPOINTMENT: Completed Housing Intake Forms Including Budget Sheet, Release of Information, & Privacy Statement Copy of Pay
Rights & Options When You Owe Money
Are you 60 or over? If yes, free legal assistance is available. If you have a debt collection or other consumer problem, please call Consumer Law Project for Elders 1-800-296-1467 Call SLS for help if
2015-2016 Independent Verification
V6- IND FORM 2015-2016 Independent Verification Your 2015-2016 Free Application for Federal Student Aid (FAFSA) was selected for review in a process called Aggregate Verification. Northern is required
BankFirst Mortgage Services
BankFirst Mortgage Services Thank you for taking the time to educate yourself on your new mortgage loan. We understand that it is a difficult process for new home buyers. We ll be happy to answer any question
Credit Repair For Court Reporters. When Bad Dings Happen To Good People. By Julie Samford Realtime Ready. Julie Samford julie@realtimeready.
Credit Repair For Court Reporters When Bad Dings Happen To Good People By Realtime Ready 1 $96,634.00 difference! That s $5,496.00 straight out of your pocket when you could have had 0% interest! (Info
Credit Counts... Know the Score!
Credit Counts... Know the Score! Understanding the Importance of Credit Scoring 2004 by Access Group, Inc. All rights reserved. Do you know the score? QUESTION What can a lender learn from your credit
CHAPTER 12 IDENTITY PROTECTION AND IDENTITY THEFT PREVENTION POLICIES
CHAPTER 12 IDENTITY PROTECTION AND IDENTITY THEFT PREVENTION POLICIES Section 1-12-1: Purpose 1-12-2: Definitions 1-12-3: Scope 1-12-4: Identity Protection Policy 1-12-5: Identity Theft Prevention Policy
6 Steps to Completing Your Loan Modification Yourself
6 Steps to Completing Your Loan Modification Yourself Page 1 of 12 You hear it in the news almost every day, more and more hard working Americans are falling behind on their mortgage payments. Many real
Student Loans and Credit Reports
Student Loans and Credit Reports Presented by: Debbie Murphy We Will Discuss: The role of credit in personal finance Review of credit terms and factors Impact of student loans on reports and scores Next
Lesson 13 Take Control of Debt: Become a Savvy Borrower
Lesson 13 Take Control of Debt: Become a Savvy Borrower Lesson Description After reviewing the difference between term loans and revolving credit, students analyze a fictitious character s use of credit
PARTNERSHIPS FOR OPENING DOORS
A summit on integrating employment and housing strategies to prevent and end homelessness Community Profile CHICAGO Chicago is working on our second Plan to End Homelessness Plan 2.0 A Home for Everyone.
SharePoint Composites. Do-It-Yourself SharePoint solutions
SharePoint Composites Do-It-Yourself SharePoint solutions Executive Summary SharePoint Composites, the newest set of capabilities in Microsoft SharePoint Server 2010, enables do-it-yourself collaborative
FAST TRACK. Educational Assistance Program of the Community Foundation of Sarasota County ********** Application Form
FAST TRACK Educational Assistance Program of the Community Foundation of Sarasota County ********** Application Form 01/2015 HELPFUL TIPS FOR COMPLETING THE COMMUNITY FOUNDATION OF SARASOTA COUNTY FAST
National Mortgage Settlement
National Mortgage Settlement Housing and Land Use Policy Program University of Iowa Public Policy Center Sally Scott, Ph.D. and Jerry Anthony, Ph.D. October 2012 Overview On February 9 of 2012, a bipartisan
How To Modify A First Lien Mortgage
Making Home Affordable Program and Home Affordable Modification Program Frequently Asked Questions for Bankruptcy Filers Q1. What do these FAQs cover? These FAQs provide information on the Home Affordable
Your Credit Report. 595 Market Street, 16th Floor San Francisco, CA 94105 888.456.2227 www.balancepro.net
Your Credit Report 750. 670. 620. 575. You may not think about them every day, but your credit reports and the three little digits that make up your credit score probably influence your life in many ways.
Pre-Bankruptcy Filing Certification Credit Counseling DISCLOSURE AGREEMENT
Pre-Bankruptcy Filing Certification Credit Counseling DISCLOSURE AGREEMENT Thank you for contacting Comprehensive Credit Counseling of Rural Services of Indiana, Inc. for you Pre- Bankruptcy Filing Certification.
Learning Objectives: Quick answer key: Question # Multiple Choice True/False. 14.1 Describe the important of accounting and financial information.
0 Learning Objectives: 14.1 Describe the important of accounting and financial information. 14.2 Differentiate between managerial and financial accounting. 14.3 Identify the six steps of the accounting
Texas Payroll Conference
Texas Payroll Conference Garnishments All Others Taunya Fritzsching, CPP Agenda Involuntary Deductions Garnishment Overview Federal Tax Levy State Tax Levy Student Loans Creditor Garnishments Bankruptcy
Patient Finance Services Policy
Patient Finance Services Policy CONEMAUGH HEALTH SYSTEM FINANCIAL ASSISTANCE POLICY I. PURPOSE Conemaugh Health System is a community of persons committed to being a transforming, healing presence in the
The materials presented during the webinar are for informational purposes only. They are not offered as and do not constitute an offer for a loan,
The materials presented during the webinar are for informational purposes only. They are not offered as and do not constitute an offer for a loan, professional or legal advice or legal opinion and should
Dell Migration Manager for Enterprise Social What Can and Cannot Be Migrated
Dell Migration Manager for Enterprise Social What Can and Cannot Be Migrated MMES - What Can and Cannot Be Migrated First Release - April 2015 2015 Dell Inc. ALL RIGHTS RESERVED. This guide contains proprietary
Questions and Answers for Borrowers about the. Homeowner Affordability and Stability Plan
Questions and Answers for Borrowers about the Homeowner Affordability and Stability Plan Borrowers Who Are Current on Their Mortgage Are Asking: 1. What help is available for borrowers who stay current
Short Sale Seller Advisory
Short Sale Seller Advisory Short Sale Seller Advisory Recent economic challenges have resulted in many homeowners needing to sell their home but owing more on their home than the home is worth. This advisory
Your Credit Report. 595 Market Street, 16th Floor San Francisco, CA 94105 888.456.2227 www.balancepro.net
Your Credit Report 750. 670. 620. 575. You may not think about them every day, but your credit report and the three little digits that make up your credit score probably influence your life in many ways.
FINANCIAL ASSESSMENT FOR
FINANCIAL ASSESSMENT FOR Joe Sample Introduction BENEFIT OF FINANCIAL ASSESSMENTS The benefit of the financial assessment is to help you gather the facts so you can take an honest look at your finances.
How a District should respond to Bank and Mechanics Lien Foreclosures and Bankruptcy Filings
DISCLAIMER This presentation is intended to provide information about the law and is designed to help Board members of Colorado Special Districts gain a general understanding of relevant legal issues.
Today s Discussion Topics
1 Today s Discussion Topics Client Changes and Opportunities Vendor Management Requirements and Technology Advancement Major Macroeconomic Trends Impacting ARM CFPB and Regulatory Updates: What to Expect
Brought to you by PEPCO FCU. Seminar objectives
Take Charge: Wise Use of Credit Cards Brought to you by PEPCO FCU Seminar objectives Learn: Benefits and costs of credit cards How to build a good credit history Warning signs of too much debt How to figure
A CONSUMER'S GUIDE TO INSURANCE COMPANIES' USE OF CREDIT INFORMATION. from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE
A CONSUMER'S GUIDE TO INSURANCE COMPANIES' USE OF CREDIT INFORMATION from YOUR North Carolina Department of Insurance CONSUMER'SGUIDE A MESSAGE FROM YOUR INSURANCE COMMISSIONER Greetings, Auto and Homeowners
Vermont Family Court Mediation Program APPLICATION FOR PARENT COORDINATOR CONTRACT FULL LEGAL NAME MAILING ADDRESS PHYSICAL ADDRESS
Vermont Family Court Mediation Program APPLICATION FOR PARENT COORDINATOR CONTRACT FULL LEGAL NAME SOCIAL SECURITY NO MAILING ADDRESS PHYSICAL ADDRESS HOME PHONE NUMBER OFFICE PHONE NUMBER FAX NUMBER EMAIL
Business Plan Outline
Business Plan Outline www./business-plan/ Why do I need a business plan? The business plan is a key component for a successful business. A plan is vital because it: Provides an organized system for researching
Understanding Your Credit Score and How You Can Improve It
Understanding Your Credit Score and How You Can Improve It How is your score calculated? The exact formula is a mystery and protected by the Federal Trade Commission Think of it as a secret recipe. Credit