|
Service |
Description |
Price |
|
FINANCIAL
Counseling |
Confidential and comprehensive
consultation with a certified credit counselor to review your budget and
provide information to improve your personal financial situation. For
individuals financially overextended due to job loss, divorce, medical
expenses or overspending. 60 to 90 minute counsel. |
$35
(single or couple) |
|
Debt Management Program
(DMP) |
Action plan determined from initial
consultation with certified credit counselor. Counselor negotiates with
creditors to arrange special considerations, including lowering payments,
reducing interest rates, waiving fees and re-aging accounts. You make one
monthly payment to HCCI and then HCCI distributes payments to each creditor. |
$15 set up plus $5 per
creditor
per month,
up to maximum of
$20 per month
(single or couple)
Online payment is not available for set-up fees.
|
|
REVERSE MORTGAGE
COUNSELING |
A federally-insured private loan
that lets homeowners convert a portion of the equity in his or her home into
cash. FHA requires that the borrower be a homeowner and at least 62 years of
age. 60-90 minute confidential and comprehensive consultation with a
certified credit counselor to review options. HUD certificate of counseling
issued after consultation.
|
$125
(single or couple) |
|
More Than One
Way Out
QUALIFIES for
PRE-Bankruptcy FILING REQUIREMENT |
The course covers options for repaying
those hard to pay debts NOW! Open to the public.
Participation in this 90 minute
class can serve as your
pre-bankruptcy counseling session.
EOUST* certificate awarded – good for 180 days. Class schedule is available
through HCCI 60-day calendars or
www.hcci-ks.org.
*EOUST=Executive Office of the US Trustee
|
$35
(single or couple) |
|
Pre-Bankruptcy
Counsel
In
Person or Telephone |
90-minute counsel for those who have NOT
attended the More Than One Way Out class. EOUST certificate awarded
– good for 180 days. |
$35
(single or couple)
|
|
PRe-discharge Class
Live a Richer Life |
2-hour class to serve as required
educational class - held same day as court at 1 PM and some Saturdays at
10 AM at HCCI – Buchanan Center. Lawrence classes held on occasional Saturdays.
Bring your bankruptcy case number. EOUST certificate awarded. |
$75
(single or couple) |
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