Sentences with phrase «counseling agency information»

The agreement should clearly outline the credit counseling agency information, what services they will be providing you (as well as what services they won't provide for you), what's required of you in terms of payment for service fees, plus how long the program will take.

Not exact matches

On a press call, Eric Goldberg, senior counsel at CFPB, said the agency did not choose to block individual forced arbitration because not enough information had been collected, but that it would be monitoring requests by companies to arbitrate.

The policy prevents any USAID money going to family planning agencies that provide or promote abortion or even give abortion information in counselling sessions.

The people required to submit their departure letters include agency heads, acting agency heads, deputy and assistant agency heads, counsels and deputy counsels, public information officers and others in senior exempt positions.

'' (1) a covered agency shall notify the Chief Counsel for Advocacy of the Small Business Administration and provide the Chief Counsel with information on the potential impacts of the proposed rule on small entities and the type of small entities that might be affected;

Please visit the US Trustee's website for the most recent information on approved credit counseling agencies and personal financial management instructional course providers.

(1) Before executing a contract or agreement with or receiving money or other valuable consideration from a buyer, a credit services organization shall provide the buyer with a written statement containing: (a) A complete and detailed description of the services to be performed by the credit services organization for the buyer and the total cost of the services; (b) A statement explaining the buyer's right to proceed against the surety bond or surety account required by section 45 - 805; (c) The name and address of the surety company that issued the bond or the name and address of the depository and the trustee and the account number of the surety account; (d) A complete and accurate statement of the buyer's right to review any file on the buyer maintained by a consumer reporting agency as provided by the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (e) A statement that the buyer's file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of receipt of notice that credit has been denied and that the buyer's file is available for a minimal charge at any other time; (f) A complete and accurate statement of the buyer's right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the buyer maintained by the consumer reporting agency; (g) A statement that accurate information can not be permanently removed from the files of a consumer reporting agency; (h) A complete and accurate statement of when consumer information becomes obsolete and of when consumer reporting agencies are prevented from issuing reports containing obsolete information; and (i) A complete and accurate statement of the availability of nonprofit credit counseling services.

If this seems like a lot of work, remember that you're trusting your credit record and your personal information to the credit counseling agency.

You can find more information about credit counseling agencies as well as find nonprofit agencies through the Consumer Financial Protection Bureau.

(1) A credit services organization, its salespersons, agents, and representatives, and independent contractors who sell or attempt to sell the services of a credit services organization may not do any of the following: (a) conduct any business regulated by this chapter without first: (i) securing a certificate of registration from the division; and (ii) unless exempted under Section 13 -21-4, posting a bond, letter of credit, or certificate of deposit with the division in the amount of $ 100,000; (b) make a false statement, or fail to state a material fact, in connection with an application for registration with the division; (c) charge or receive any money or other valuable consideration prior to full and complete performance of the services the credit services organization has agreed to perform for the buyer; (d) dispute or challenge, or assist a person in disputing or challenging an entry in a credit report prepared by a consumer reporting agency without a factual basis for believing and obtaining a written statement for each entry from the person stating that that person believes that the entry contains a material error or omission, outdated information, inaccurate information, or unverifiable information; (e) charge or receive any money or other valuable consideration solely for referral of the buyer to a retail seller who will or may extend credit to the buyer, if the credit that is or will be extended to the buyer is upon substantially the same terms as those available to the general public; (f) make, or counsel or advise any buyer to make, any statement that is untrue or misleading and that is known, or that by the exercise of reasonable care should be known, to be untrue or misleading, to a credit reporting agency or to any person who has extended credit to a buyer or to whom a buyer is applying for an extension of credit, with respect to a buyer's creditworthiness, credit standing, or credit capacity; (g) make or use any untrue or misleading representations in the offer or sale of the services of a credit services organization or engage, directly or indirectly, in any act, practice, or course of business that operates or would operate as fraud or deception upon any person in connection with the offer or sale of the services of a credit services organization; and (h) transact any business as a credit services organization, as defined in Section 13 -21-2, without first having registered with the division by paying an annual fee set pursuant to Section 63J -1-504 and filing proof that it has obtained a bond or letter of credit as required by Subsection (2).

A credit repair business and its salespersons, agents, and representatives, and independent contractors who sell or attempt to sell the services of a credit repair business, shall not do any of the following: (1) Charge or receive any money or other valuable consideration prior to full and complete performance of the services that the credit repair business has agreed to perform for or on behalf of the consumer; (2) Charge or receive any money or other valuable consideration solely for referral of the consumer to a retail seller or to any other credit grantor who will or may extend credit to the consumer, if the credit that is or will be extended to the consumer is upon substantially the same terms as those available to the general public; (3) Represent that it can directly or indirectly arrange for the removal of derogatory credit information from the consumer's credit report or otherwise improve the consumer's credit report or credit standing, provided, this shall not prevent truthful, unexaggerated statements about the consumer's rights under existing law regarding his credit history or regarding access to his credit file; (4) Make, or counsel or advise any consumer to make, any statement that is untrue or misleading and which is known or which by the exercise of reasonable care should be known, to be untrue or misleading, to a consumer reporting agency or to any person who has extended credit to a consumer or to whom a consumer is applying for an extension of credit, with respect to a consumer's creditworthiness, credit standing, or credit capacity; or (5) Make or use any untrue or misleading representations in the offer or sale of the services of a credit repair business or engage, directly or indirectly, in any act, practice, or course of business which operates or would operate as a fraud or deception upon any person in connection with the offer or sale of the services of a credit repair business.

If a credit counselor tells you this is so, call your creditors to verify this information before you send money to the credit counseling agency.

You ought to be aware of credit counseling agencies and organizations that charge a high up - front or every month fee for signing up for credit counseling or a debt management plan, pressure you to make voluntary contributions or use another name for fees, send you free pamphlets contained with information about the services they provide without requiring you to provide personal financial information such as charge account numbers with balances, try to enroll you in a debt management plan without spending the time to review your current financial situation, offer to sign you up for a debt management plan without trying to help you with budgeting and money management skills, or require that you make payments into a debt management plan before your current creditors have accepted you into the program.

No nonprofit budget and credit counseling agency may provide to a credit reporting agency information concerning whether a debtor has received or sought instruction concerning personal financial management from such agency.

The report by the legal marketing agency Greentarget and consultancy Zeughauser — the 2017 State of Digital & Content Marketing Survey — asked in - house counsel and buyers of legal services to grade the influence of a number of factors when searching for more information about lawyers.

Community Legal Services of Mid-Florida, a HUD approved Housing Counseling Agency, can provide information on; buying a home, default and delinquency, foreclosure prevention, renting and credit issues.

Nick counsels local governments and governmental agencies with respect to Freedom of Information Act issues, construction and general contract matters, constitutional issues, governance issues, construction bonding issues and general liability matters.

Besides meeting basic housing and meal needs, Second Base provides youth with an assortment of services and supports, including transportation, counseling, clothing, health support, information and referral to other youth - related agencies.

I suggested that families in such as system would need to be well supported by a family services agency that would provide legal information, counselling, financial counselling and mediation, and would be the primary interface between the family and court.

This can partly be addressed by providing general education in law and legal processes, but would likely best be supported through the family services agency, described below, which would provide counselling services, help understanding financial issues and information and advice about the law applicable to separating families.

The agency would include a decision - making tribunal, an independent commission with investigative powers and a family support services department providing families with legal information, parenting education, financial planning, counselling and other assistance.

If the request for disclosure of protected health information were not accompanied by a court order, covered entities could not have disclosed the information requested unless a request authorized by law had been made by the agency requesting the information or by legal counsel representing a party to litigation, with a written statement certifying that the protected health information requested concerned a litigant to the proceeding and that the health condition of the litigant was at issue at the proceeding.

Therefore, we may provide personal information to law enforcement agencies in what we believe to be emergency situations, we may provide personal information where required by statute, court order, legal process or lawful authority, and we may provide it to our legal counsel in connection with the foregoing.

If the local MADD and the local prosecutor's office were not able to give the victim a few lists of counseling agencies, a simple search in the internet or a call to the Alcohol Anonymous can provide the necessary information.

Strategies: Mobilise / promote action at local level; coordinate and broker assistance from other agencies; establish local role model project with emphasis on positive role models; increase community's awareness of services available to address family violence issues such as internet information and counselling; support Stolen Generation strategies aimed at dealing with family violence.

This report provides information on service modelling and locating of services and explores how well the locations of crisis pregnancy counselling services funded by the Crisis Pregnancy Agency (now the HSE Sexual Health & Crisis Pregnancy Programme) met the estimated demand for these services, based on service, geographical and population data available as at September 2009.

One other requirement is that you receive some consumer information for a counseling agency approved by HUD prior to obtaining your loan.

Whether you're in foreclosure now or worried about it in the future, HUD - approved housing counseling agencies are available to provide you with the information and assistance you need to avoid foreclosure.

There you'll find information about where to find HUD - approved housing counseling agencies in Hawaii, and about Hawaii affiliates of Habitat for Humanity.

Additionally, the site provides contact information for HUD - approved housing counseling agencies.

The page for Texas is a good example; here you can find a link to information about housing counseling agencies that are more...