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. 

$45

(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.

*Do not pay unless you have a consultation.*

$5 set up fee

(single or couple)

There will also be a $5 per creditor per month fee, up to a maximum

of  $20 per month

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
 

$45

(single or couple)

Pre-FILING Bankruptcy
Counsel

In Person or Telephone Only

90-minute counsel for those who have NOT attended the More Than One Way Out class.  EOUST certificate awarded – good for 180 days.

$45

(single or couple)

PRe-discharge Class

Moving Forward After Bankruptcy

(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 10:30 AM at HCCI – Buchanan Center.  Lawrence classes held on occasional Saturdays.  Bring your bankruptcy case number.  EOUST certificate awarded.

$75

(single or couple)

oN-LINE COUNSEL

PRE-FILING (mtowo)

PRE-DISCHARGE (larl)

[Moving Forward After Bankrupty]

Pre-filing (MTOWO) - The course covers options for repaying those hard to pay debts. 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.

Pre-discharge (LARL) - 2-hour class to serve as required educational class - held same day as court at 1 PM and some Saturdays at 10:30 AM at HCCI – Buchanan Center.  Lawrence classes held on occasional Saturdays.  Bring your bankruptcy case number.  EOUST certificate awarded.

$45 or $75

(single or couple

(This will take you to counseling disclosure and fees - then to online counseling where you will pay your fee.)