All we can say is Thank you!
|
|
|
- Lambert Phelps
- 10 years ago
- Views:
Transcription
1 All we can say is Thank you! All people deserve a chance for financial well-being Annual Report
2 1,716 people worked with us to avoid foreclosure and eviction. gracias por ayudarnos a salvar nuestra casa! Thank you for helping us save our home!
3 317 people used debt management plans to repay overextended credit. Thank you for helping me get out of debt!
4 2,018 people contacted us for help with homeownership. 360 received one-on-one counseling. Thank you for helping us purchase our first home!
5 Who We Are We are the only non-profit in Winston-Salem and Forsyth County that offers comprehensive financial counseling and education to residents regardless of income is a HUD-approved housing counseling agency is certified to the highest standards of the National Foundation for Credit Counseling holds full accreditation from the Council On Accreditation is an approved user of National Industry Standards for Homeownership Education and Counseling
6 3,750 people attended financial education classes. Thank you for teaching us how to Save, Spend, Share!
7 291 seniors attended 14 workshops on avoiding financial exploitation. Thank you for helping me understand how to keep my identity safe!
8 816 seniors and their spouses were served with personal expense management or monthly bill pay. Thank you for helping us stay on top of our monthly bills!
9 Current and Recent Supporters Donors Allegacy Federal Credit Union Bank of America Bank of America Foundation Branch Banking and Trust Branch Banking and Trust Foundation CapitalOne Chase Card Services Citi Group City of Winston-Salem Fairway Independent Mortgage Group Forsyth County Department of Housing Goodwill of NWNC HSBC Individual Donors Kate B. Reynolds Charitable Trust National Foundation for Credit Counseling Neighbor Works North Carolina Housing Finance Agency North Carolina State Government Piedmont Federal Savings Bank Piedmont Triad Regional Council Area on Aging Reinvestment Partners State Farm State Home Foreclosure Prevention Program Southern Community Bank (now Capital Bank) Wells Fargo Wells Fargo Foundation Wells Fargo Housing Foundation Winston-Salem Foundation United Way of Davie County United Way of Forsyth County US Attorney General Us Treasury US Department Housing & Urban Development US Department of Veteran Affairs Contributors of goods and services Annese Public Relations Applied HR Solutions Butler & Burke Certified Public Accountants Computer Cognizant Davie County Senior Services Russell Agency Shepherd s Center of Kernersville Walnut Cove Senior Center Weston & Associates Winston-Salem State University Thank you to our individual donors and volunteers for their continued support!
10 What we provide Debt Management: After an unexpected financial crisis, families can find themselves caught up in a cycle of credit card debt. We can assess an individual s or couple s situation and identify their options. Credit and Budget Counseling: We help regain control of personal finances. We can help almost anyone get rid of excessive debt and get on a path to saving and building assets. Foreclosure Prevention Counseling: When unforeseen life events put homeowners at risk of foreclosure, our certified housing counselors help them understand the available programs and seek the best option for them. Senior Money Management: We help people 60 and older improve the management of their finances so they can continue to live independently. This includes guidance on medical insurance, reverse mortgage counseling, hands-on help with monthly bill paying, and more. Homeownership Guidance: Our trained housing counselors guide aspiring homeowners through the steps of finding a home and mortgage, and mastering the responsibilities of homeownership. Financial Education: We offer classes and workshops on basic finances as well as specialized credit, mortgage, and homeownership topics.
11 3,837 budget and credit counseling sessions were held. Thank you for helping us stay on track with our budget so we can have a healthy Financial future!
12 Award-winning youth program Real World Thank you for teaching me the skills I needed to secure my first job!
13 Finances Income and Expenses FY 2012 FY 2013 Total Income $ 1,826,995 $ 2,097,143 Program Service Expenses 1,539,788 1,650,433 Management & Fundraising Expenses 228, ,591 Total Expenses $ 1,767,817 $ 1,929,024 1,200,000 Chart Title Income By Funder 1,000, , , , ,000 0 Foundation Grants Corporate Grants Government United Way Fees for Service Other Income FY 2012 FY 2013 Thank you to all of our funders for your support!
14 Board of Directors OFFICERS Chairman: Terry Taylor, Datamax Corporation Vice Chair: Lori Timm, Community Volunteer Secretary: Michael Wells Jr., Wells Jenkins Attorneys Treasurer: Crystal Tatman, Wells Fargo & Company Immediate Past Chair: Mike Waid, Wake Forest Baptist Health President & CEO: Peter Laroche, Financial Pathways DIRECTORS April Broadway, DreamCatchers Ashley Rusher, Blanco Tackabery, PA Betsy Annese, Annese Public Relations Claudette Weston, Weston & Associates Cravon Williams, BB&T Martha Logemann, Logemann & Company We welcome tax-deductible contributions. Donate online at: North Point Boulevard, Suite 204 Winston-Salem, NC
15
CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO
CONSUMER CREDIT COUNSELING SERVICE OF SAN FRANCISCO A N N U A L R E P O R T HELPING. COUNSELING. TRANSFORMING. Letter from the CEO/President 2013 was yet another record year for Consumer Credit Counseling
<Servicer Logo> Questions and Answers About Reverse Mortgages. If you have questions or need our help, call <8XX-XXX-XXXX>.
Questions and Answers , If you have questions or need our help, call . What is a reverse mortgage? A reverse mortgage is a loan
VITA Charles W. Cole, III
VITA Charles W. Cole, III North Carolina A&T State University 1601 East Market Street Greensboro, NC 27411 Office: 336 285 3330 Email: [email protected] TEACHING EXPERIENCE North Carolina A&T State University
CITY OF WEST HOLLYWOOD
CITY OF WEST HOLLYWOOD Rent Stabilization & Housing Department M E M O TO: Homeowners From: Housing Division at the City of West Hollywood RE: Worried about Foreclosure? In the current sub-prime housing
Intake and Information
Intake and Information File #: : (CCCS Use Only) A division of Your name Street address City State & Zip Phone E-mail Social Security # Age Your employer Phone # Job title Rate of pay Monthly gross income
A Guide to Reverse Mortgages
A Guide to Reverse Mortgages You may have heard about reverse mortgages on television or from a friend and are not quite sure what they are, or you may already know what a reverse mortgage is and are not
HOME EQUITY LINES OF CREDIT CHECK LIST. Name/Borrower. Address. Amount of Mortgage $
HOME EQUITY LINES OF CREDIT CHECK LIST Date Name/Borrower Address Amount of Mortgage $ Application Income Verification Additional: A. Copy of Recorded Deed B. Copy of Survey C. Tax receipts- School, County,
Reverse Mortgage Basics. Norma P. Garcia Senior Attorney Consumers Union May 28, 2012
Reverse Mortgage Basics Norma P. Garcia Senior Attorney Consumers Union May 28, 2012 What is a reverse mortgage? It s a loan against the equity in an elder s home Instead of making monthly payments to
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
CONSUMER ALERT REVERSE MORTGAGES
CONSUMER ALERT MIKE COX ATTORNEY GENERAL The Attorney General provides Consumer Alerts to inform the public of unfair, misleading, or deceptive business practices, and to provide information and guidance
Georgia Department of Community Affairs Housing Counseling Program. Housing Counseling for Georgia Dream Down Payment Assistance Program Home Buyers
Georgia Department of Community Affairs Housing Counseling Program Housing Counseling for Georgia Dream Down Payment Assistance Program Home Buyers Request for Applications The Georgia Department of Community
FOR SALE. Sheeley Moving Co. AVOIDING FORECLOSURE & FORECLOSURE SCAMS
FAIR HOUSING UNIVERSITY FOR SALE Sheeley Moving Co. AVOIDING FORECLOSURE & FORECLOSURE SCAMS WHAT IS FORECLOSURE When a lender takes possession of a house from a homeowner who has not met the mortgage
A joint project of the Delaware Office of Financial Empowerment and United Way of Delaware
A joint project of the Delaware Office of Financial Empowerment and United Way of Delaware http://www.youtube.com/watch?v=jrktcvurow8 www.standbymede.org Asset Development: Home ownership, Education, Retirement,
U.S. Department of the Treasury Information Guide Regarding Reverse Mortgage
U.S. Department of the Treasury Information Guide Regarding Reverse Mortgage Federal Housing Administration U.S. Department of Housing and Urban Development Basics about Reverse Mortgages What is a reverse
Debt Management Plan. Client Handbook. Consumer Credit Counseling Service of Delaware Valley (DMP) www.cccsdv.org
Consumer Credit Counseling Service of Delaware Valley Debt Management Plan (DMP) Client Handbook Main Office: 1608 Walnut Street q 10th Floor q Philadelphia, PA 19103 Client Service : (800) 989-CCCS (2227)
Nationwide Mortgage Licensing System #222955
Nationwide Mortgage Licensing System #222955 Senior Concerns Is your mortgage paid off? Is your Social Security and/or pension sufficient? Rising costs of living: gas, health care, food, utilities, medications,
Forsyth County Housing & Community Development Homeownership Program (FCHP) AHOP / HOME PROGRAM
Forsyth County Housing & Community Development Homeownership Program (FCHP) AHOP / HOME PROGRAM I. Program Purpose: The Forsyth County Homeownership Program (FCHP) provides funds to assist with the down
Put your home to work for you
Put your home to work for you Sara A. Cornwall 2507 Post Road, Southport CT 06890 Phone: 203-319-5014 Email: [email protected] What is a reverse mortgage It s a home loan that enables you to
Converting Home Equity into Income: AReverseMortgageReview
Converting Home Equity into Income: AReverseMortgageReview Are you interested in the possibility of converting equity in your home into cash without having to move or assume debt that has to be currently
2014 State of the Credit Counseling and Financial Education Sector. Delivered by Susan C. Keating. President and CEO
2014 State of the Credit Counseling and Financial Education Sector Delivered by Susan C. Keating President and CEO National Foundation for Credit Counseling 49 th Annual Leaders Conference Seattle, Washington
OPTIONS IN FORECLOSURE
Section II: KEEPING YOUR HOME OPTIONS IN FORECLOSURE Deciding whether or not to keep your home is something that only you, the homeowner, can determine. The best housing counselors will ask what you d
Statement of Barbara Stucki, PhD
Statement of Barbara Stucki, PhD Vice President, Home Equity Initiatives, National Council on Aging House Financial Services Subcommittee on Insurance, Housing and Community Opportunity Hearing on Oversight
TESTIMONY OF BARRY R. WIDES DEPUTY COMPTROLLER FOR COMMUNITY AFFAIRS OFFICE OF THE COMPTROLLER OF THE CURRENCY BEFORE THE
For Release Upon Delivery 10:00 a.m., April 15, 2008 TESTIMONY OF BARRY R. WIDES DEPUTY COMPTROLLER FOR COMMUNITY AFFAIRS OFFICE OF THE COMPTROLLER OF THE CURRENCY BEFORE THE COMMITTEE ON FINANCIAL SERVICES
Countrywide Settlement FAQ s
Countrywide Settlement FAQ s 1. Does the settlement impact my Countrywide loan? The Attorney General s settlement with Countrywide provides for loan modifications for eligible borrowers who are 60 days
Metro Interfaith Housing Counseling. Tell Us About Yourself. General Information Primary
Metro Interfaith Housing Counseling 21 New St, Binghamton, NY 13903 Phone: 607.723.0582 Fax: 607.722.8912 Tell Us About Yourself Print clearly. Use additional sheets if necessary. Information provided
YOUR CONCERNS ABOUT FILING BANKRUPTCY IN NEW JERSEY
YOUR CONCERNS ABOUT FILING BANKRUPTCY IN NEW JERSEY TRAVIS J. RICHARDS SOUTH NEW JERSEY BANKRUPTCY ATTORNEY When I meet with a person for the first time to discuss bankruptcy, he or she usually has several
Update >> FALL 2014. Say Yes SAY YES GETTING STUDENTS TO AND THROUGH COLLEGE
Say Yes Update >> FALL 2014 SAY YES GETTING STUDENTS TO AND THROUGH COLLEGE Since 2009, more than 2,600 Syracuse City School District graduates have enrolled in college with Say Yes support. For those
NEW JERSEY BANKRUPTCY AND CO-DEBTORS
NEW JERSEY BANKRUPTCY AND CO-DEBTORS WHAT HAPPENS IF THE CO- DEBTORS DOES NOT FILE BANKRUPTCY? TRAVIS J. RICHARDS SOUTH NEW JERSEY BANKRUPTCY ATTORNEY Co-signing a loan for someone is risky. As a co-signer,
Senior Concerns. Will you outlive your money?
NMLS #64997 Senior Concerns Is your mortgage paid off? Is your Social Security and/or pension sufficient? Rising costs of living: gas, health care, food, utilities, medications, etc. Fixed income with
Neighborhood Housing Services of Green Bay, Inc. d/b/a NeighborWorks Green Bay Program Intake Form
Neighborhood Housing Services of Green Bay, Inc. d/b/a NeighborWorks Green Bay Program Intake Form Return Completed Form to: NeighborWorks Green Bay Today s : 437 S. Jackson St. www.nwgreenbay.org Green
DETAILS REGARDING USE OF MORTGAGE FUNDS
DETAILS REGARDING USE OF MORTGAGE FUNDS Attorney General Tom Horne has announced a comprehensive multi-year program for the allocation of the $57 million in mortgage settlement funds aimed at keeping people
The Terri Union and Carlos Zukowski Endowment for the Arts 2015 Guideline and Application Form
The Terri Union and Carlos Zukowski Endowment for the Arts 2015 Guideline and Application Form WHAT IS CUMBERLAND COMMUNITY FOUNDATION? Cumberland Community Foundation is a nonprofit (501(c)(3)) charitable
Maggie O'Connell Reverse Mortgage Store 800-489-0986
The Essentials: Reverse Mortgages For many homeowners age 62 and over, a reverse mortgage could be an important tool for financial flexibility. It can provide a way to access part of your home equity to
The Coordinated Plan. to Address Foreclosures in Minnesota
The Coordinated Plan to Address Foreclosures in Minnesota A review of and as summarized by the Minnesota Foreclosure Partners Council March 2009 The Problem The number of mortgage foreclosures in Minnesota
Loan Foreclosure Analysis and Comparison. A Briefing To The Housing Committee March 3, 2008
Loan Foreclosure Analysis and Comparison A Briefing To The Housing Committee March 3, 2008 Purpose To determine the cause of the Subprime mortgage crisis which was triggered by a sharp rise in home foreclosures
QUESTIONS ANSWERS. The Homestead Act Massachusetts General Laws, Ch. 188, 1-10. and. William Francis Galvin Secretary of the Commonwealth
QUESTIONS and ANSWERS The Homestead Act Massachusetts General Laws, Ch. 188, 1-10 William Francis Galvin Secretary of the Commonwealth Wanda M. Beckwith Register of Deeds, Southern Berkshire District updated
City of College Park New Neighbor Homeownership Grant Program
City of College Park New Neighbor Homeownership Grant Program Program Summary The City of College Park is offering $5,000 in down payment or closing cost assistance, on a first-come, first-served basis,
What You Should Know About Reverse Mortgages
What You Should Know About Reverse Mortgages The FHA s Program Reverse mortgages are becoming popular in America. HUD's Federal Housing Administration (FHA) created one of the first. The Home Equity Conversion
2011 Annual Report. Corporate Headquarters. Board of Directors. Mr. Paul L. Donohue, Jr. Mr. Matt Curran. Mr. Kurt Stahura, Ph.D.
2011 Annual Report Corporate Headquarters 4611 Okeechobee Blvd., Ste. 114 West Palm Beach, FL 33417 Telephone: 800-920-2262 Facsimile: 866-561-2622 www.debthelper.com Branch Address 3440 E Russel Road,
FORECLOSURE. I don t think I can make my mortgage payments but I don t want to go through a foreclosure. What are some of my options?
FORECLOSURE When you borrow money to buy a house or land, the creditor usually takes a security interest in the property you buy. This means that if you don t pay, the creditor can foreclose upon (or take
PAMELA C. ROACH 235 North East Loop 820, Suite 304 Hurst, Texas 76053 (817) 691-5560 [email protected] PUBLIC AND COMMUNITY RELATIONS EXECUTIVE
PAMELA C. ROACH 235 North East Loop 820, Suite 304 Hurst, Texas 76053 (817) 691-5560 [email protected] PUBLIC AND COMMUNITY RELATIONS EXECUTIVE Pam Roach is an energetic executive consultant and entrepreneur.
GrantSpace - Collaboration Hub. Reverse Mortgage Counseling Association. Participating Organizations. Primary Contact. Formation
GrantSpace - Collaboration Hub Reverse Mortgage Counseling Association Participating Organizations Money Management International, Inc., Phoenix, AZ National Council on Aging, Washington, DC National Foundation
NOTICE NO. 1 Notice Mandated by Section 342(b)(1) and 527(a)(1) Of The Bankruptcy Code:
Mandatory Bankruptcy Disclosures The following mandatory disclosures are required under Section 527 and 342 of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005. NOTICE NO. 1
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
Complete Guide to Reverse Mortgages
Complete Guide to Reverse Mortgages Contents I. What Is a Reverse Mortgage? 2 Reasons for taking out a reverse mortgage 2 Differences between reverse and traditional mortgages 2 II. Where to Get Reverse
NOTICE NO. 1. Notice Mandated By Section 342(b)(1) and 527(a)(1) of the Bankruptcy Code PURPOSES, BENEFITS AND COSTS OF BANKRUPTCY
NOTICE NO. 1 Notice Mandated By Section 342(b)(1) and 527(a)(1) of the Bankruptcy Code PURPOSES, BENEFITS AND COSTS OF BANKRUPTCY The United States Constitution provides a method whereby individuals, burdened
HECM Reverse Mortgage Counseling: Critical for Consumer Protection
Improving the lives of older Americans HECM Reverse Mortgage Counseling: Critical for Consumer Protection Barbara R. Stucki, Vice President for Home Equity Initiatives Housing Counseling Intervention:
Government Insured Reverse Mortgage
Government Insured Reverse Mortgage HECM (Home Equity Conversion Mortgage) Independence & Peace of Mind for Seniors From the company providing Mortgage options Since 1968. What is a HECM or Reverse Mortgage
BARRY ROSS. 539 N. Glenoaks Blvd., Suite 305 Office: 818-840-0950 Burbank, California 91502-3213 Fax: 818-840-0990 www.rossmediation.
539 N. Glenoaks Blvd., Suite 305 Office: 818-840-0950 Burbank, California 91502-3213 Fax: 818-840-0990 www.rossmediation.com [email protected] PROFESSIONAL EXPERIENCE & AFFILIATIONS MEDIATOR
Information on Avoiding Foreclosure
Whitney Bank offers and provides financial products and services through its locations in Louisiana and Texas as "Whitney Bank" and as "Hancock Bank" in Mississippi, Alabama and Florida. Information on
FTC FACTS for Consumers
ftc.gov FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP FTC FACTS for Consumers Mortgage Payments Sending You Reeling? Here s What to Do T he possibility of losing your home because you can t
DREAM HUGE BUILDING A FINANCIALLY EMPOWERED SAN FRANCISCO
DREAM HUGE BUILDING A FINANCIALLY EMPOWERED SAN FRANCISCO www.sfofe.org Dear Partners, Supporters, Colleagues and Friends, We launched our groundbreaking Kindergarten to College program with the campaign