Credit counseling definition

Credit counseling means the provision of counseling and advice on managing household finances, including but not limited to managing credit and debt, budgeting, and personal savings.
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Credit counseling. I understand that this credit counseling service is to assist me with my credit needs, but, does not guarantee that I will be able to improve my credit situation. I understand that in order to provide service, my Housing Counselor will need to be aware of, and discuss with me, information about my employment, financial situation, credit history, family and related matters. I authorize my Housing Counselor to disclose this information to relevant parties (i.e. lenders, HUD, my real estate agent) if he or she feels that such disclosure will improve my housing. I further authorize my mortgage company, their representative, my real estate agent, potential lenders, HUD, VA and any other entities with information about my housing and financial situation to disclose such information to Northeast Denver Housing Center, upon NDHC’ S request. I also understand that, other than disclosures intended to improve my housing situation, all personal information that I provide to Northeast Denver Housing Center will be kept confidential, and that no information about me will be discussed with anyone not directly involved in my efforts to improve my housing situation. I am also not obligated to receive, purchase or utilize any other services offered by Northeast Denver Housing Center, or its exclusive partners, in order to receive housing counseling services. By signing below, I verify that the information provided is true and accurate to the best of my knowledge. I UNDERSTAND THAT NORTHEAST DENVER HOUSING CENTER IS NOT A LEGAL REPRESENTATIVE AND THAT NORTHEAST DENVER HOUSING CENTER AND MY HOUSING COUNSELOR WILL NOT BE REPRESENTING ME IN ANY CAPACITY OTHER THAN AS A HOUSING COUNSELOR PROVIDING GENERAL INFORMATION. I understand that foreclosure financing and home buying are legal transactions and proceedings, and that I should hire a real estate and/or attorney to receive legal advice and or/representation. Client Signature Date Housing Counselor Date Client Signature Date Address, City, State, Zip code 2021 STATEMENT OF HOUSEHOLD INCOME/DEMOGRAPHICS The Department of Housing and Urban Development – Community Development Block Grant funds have been awarded to fund Northeast Denver Housing Center program. Federal regulations require the program to provide benefit to low and moderate-income persons. All questions on this document must be completed. The form must be acknowledged and signed.
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Credit counseling means a service provided by an organization or counselor certified and trained in the areas of consumer credit, money and debt management, and budgeting.
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Examples of Credit counseling in a sentence

  • Credit counseling services; financial management instructional courses.’’.

  • Credit counseling services are available to consumers who are experiencing financial problems.

  • Credit counseling may deter predation, but it does not necessarily eliminate it.

  • Credit counseling may not be profitable because it entails lending smaller amounts at a higher rate (because counseling is costly).

  • Credit counseling and debtor education requirements had added an additional $100 to the cost of Chapter 7 cases.

  • Credit counseling services; financial management instructional courses‘‘(a) The clerk of each district shall main- tain a list of credit counseling services that provide 1 or more programs described in sec- tion 109(h) and a list of instructional courses concerning personal financial management that have been approved by—‘‘(1) the United States trustee; or‘‘(2) the bankruptcy administrator for the district.’’.

  • Credit counseling and other services necessary to assist program participants with critical skills related to household budgeting, managing money, accessing a free personal credit report, and resolving personal credit problems.

  • Credit counseling and other services necessary to assist participants with critical skills related to household budgeting, managing money, assessing a free personal credit report, and resolving personal credit problems.

  • Engage FSIL Advisory Committee and Technical Experts in providing guidance and support to ongoing activities (Management Entity WP Activity 1.4)At the FY2022 annual meeting, the FSIL Advisory Committee and Technical Experts met with project leaders to discuss their achievements and provide input on their planned activities.

  • Credit counseling services; financial management instructional courses‘‘The clerk of each district shall maintain a list of credit counseling services that provide 1 or more programs described in section 109(h) and a list of instructional courses concerning personal financial management that have been approved by—‘‘(1) the United States trustee; or‘‘(2) the bankruptcy administrator for the district.’’.


More Definitions of Credit counseling

Credit counseling means any guidance or educational
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Credit counseling means any guidance or educational program or advice offered by a provider for the purpose of fostering the responsible use of credit and debt management.
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Credit counseling means providing financial advice to a consumer about the consumer’s finances or credit.
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Credit counseling means providing financial advice to a consumer about his finances or credit.
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Related to Credit counseling

  • Patient counseling means the written and oral communication by the pharmacist

  • Parent counseling and training means assisting parents in understanding the special needs of their child and providing parents with information about child development, and helping parents to acquire the necessary skills that will allow them to support the implementation of their child's IEP.

  • Rehabilitation counseling services means services provided by qualified personnel in individual or group sessions that focus specifically on career development, employment preparation, achieving independence, and integration in the workplace and community of a student with a disability. The term also includes vocational rehabilitation services provided to a student with disabilities by vocational rehabilitation programs funded under the Rehabilitation Act of 1973, as amended.

  • Counseling means one or more consultations as necessary between a state licensed psychiatrist or psychologist and a patient for the purpose of determining that the patient is competent and not suffering from a psychiatric or psychological disorder or depression causing impaired judgment.

  • Credit accident and health insurance means insurance on a debtor to provide

  • Specified Insurance Company means any Entity that is an insurance company (or the holding company of an insurance company) that issues, or is obligated to make payments with respect to, a Cash Value Insurance Contract or an Annuity Contract.

  • Credit unemployment insurance means insurance:

  • Genetic counselor means a person licensed by the Board to engage in the practice of genetic

  • Professional counselor means a person who practices counseling as defined in § 54.1-3500.

  • Alternative Compliance Payment or "ACP" means a payment of a certain dollar amount per megawatt hour, which a Retail Electricity Supplier may submit in lieu of supplying the minimum percentage of RECs required under Section 3.3.5 of this Regulation.

  • Human being means a person who has been born and is alive.

  • Secondary protective barrier means a barrier sufficient to attenuate the stray radiation to the required degree.

  • travel distance means the distance an occupant has to travel to reach an exit.

  • graduate psychiatric nurse means a person whose name is entered on the register of graduate psychiatric nurses of the College of Registered Psychiatric Nurses of Manitoba. The terms of this Agreement shall be applicable to the graduate nurse, the graduate practical nurse, graduate psychiatric nurse, and graduate nurse practitioner, except as otherwise specified in the Collective Agreement.

  • Residential facility for persons with a disability means a residence:

  • Most serious offense means any of the following felonies

  • Chief Pretrial Services Officer (i.e., CPSO) means the individual appointed by the court to supervise the work of the court’s pretrial services staff. For the purpose of the contract, the “Chief Probation Officer” acts as the contract administrator on behalf of the Director of the Administrative Office of the United States Courts.

  • Pretrial Services Officer (i.e., USPSO) means the individual appointed by a United States District Court to provide pretrial release investigations, recommendations and supervision services for that court. “Pretrial Services Officer” refers to the individual responsible for the direct supervision of a client receiving drug/alcohol testing and/or treatment and/or mental health treatment services.

  • Psychiatric residential treatment facility means a facility which

  • Patent Counsel means the DOE Counsel for Intellectual Property assisting the DOE Contracting activity.

  • Solar alternative compliance payment or "SACP" means a

  • Non-Administrator Ambulatory Surgical Facility means an Ambulatory Surgical Facility which does not meet the definition of an Administrator Ambulatory Surgical Facility.

  • Election Assistance Commission means the commission established by Public

  • Provider election officer means an election officer who enters into a contract or

  • Statewide popular election means a general election in which

  • Counseling services means services provided by qualified social workers, psychologists, guidance counselors, or other qualified personnel.