Use the Previous and Save/Next buttons to go backward and forward. Do not use the browser's navigation arrows.
 Online Counseling: Disclosure (Step 1 of 9)
Disclosure
Statement of Counseling Services

Statement of Counseling Services

Please read the following statements carefully so that you will understand the procedures for the counseling session. For simplification the singular is used even when the plural may apply.

  • I understand that Consumer Credit Counseling Service of the Black Hills (CCCS/BH) will provide a one-on-one confidential comprehensive personal money management interview.

  • I understand that the interview will be conducted by a certified consumer credit counselor or qualified professional counselor.

  • I understand there is no charge for financial counseling due to United Way and community support.

  • I understand that in the event I am dissatisfied I can utilize the Complaint Resolution Process.

  • I understand that CCCS funding comes from a variety of sources: United Way, grants, set-up fees, monthly administrative fees, and fair share/grants from creditors who participate in the DMP at a rate of 0 to 15%. I.4.01-a

  • I understand my participation in a debt repayment program may change information which is already on my credit report. If my credit report reflects that I have paid creditors as agreed in the past, a Debt Management Program could have a negative impact on a creditworthiness decision by a potential creditor, landlord, or employer in the future. I.4.01-b

  • I understand that a Debt Management Program is not suitable for all clients; therefore a full array of options will be discussed. I will be given a written assessment outlining a suggested action plan, which will be based on the following options: I will handle any financial concerns on my own, I may choose to enroll in the Agency's Debt Management Program or I will be referred to other services of the organization or another agency as appropriate. I should also be aware that debts to creditors I repay through the plan may be able to be discharged through bankruptcy. Counselors cannot provide legal advice.

  • I understand that I may choose to enroll in the Agency's Debt Management Program however the receipt of counseling services does not automatically guarantee participation in debt management programs. In addition, creditors may report that I am on a Debt Management Program and am not paying as originally agreed although they have accepted the reduced payment. I.4.01-c

  • I understand that the creditor fair share funding comes from voluntary contributions from creditors who participate in Debt Management Programs (DMP). Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund the Agency. These contributions are usually calculated as a percentage of payments I make through my DMP. Contributions from creditors range from 0% to 15% or are given as a grant. However, my accounts with my creditors will always be credited with one hundred percent (100%) of the amount I pay through CCCS and will work with all my creditors regardless of whether they contribute to the Agency. I.4.01-d

  • I understand that I as the client have the responsibility to alert CCCS or our Accounts Processing Center to any discrepancies between the organization's statement sent to me and the amount posted on the statement from the creditor. I.5.05-c

  • I understand that DMPs are used for unsecured debt and can be used for secured debt only in very rare instances. I further understand that if I choose to go forward with a DMP that I am granting CCCS permission to contact my creditors to verify obligations and to negotiate adjustments and payments schedules. The DMP includes the development of a payment schedule and a reduced budget for the repayment period.. Debt Management I.5.01- a, b

  • I understand that a DMP serves a dual role in helping me, the client, repay my debts and helping the creditors receive the money owed to them. Debt Management I.5.04-c

  • I understand that if I choose to file for Bankruptcy that the Bankruptcy will affect my credit report. Bankruptcy does not delete accurate information off of a credit report regarding past delinquencies. A bankruptcy is a matter of public record and will be reported in the public record section of my credit report. A bankruptcy will have a negative effect on my credit report and credit score. A potential creditor, landlord, or employer in the future may view this negatively. Depending on the type of bankruptcy filed, a bankruptcy may remain on a credit report for 7 to 10 years.

  • At sometime in the future, my information may be used for confidential research, quality assurance/training purposes, and/or a neutral third party may contact me to request an evaluation of the Agency's services.


Housing Counseling and Education Services Disclosure

  • I understand that the purpose of the home ownership assessment, counseling and education programs offered by Consumer Credit Counseling Service of the Black Hills (CCCS) is to counsel and/or provide information to me regarding qualifying for a home mortgage and about the home purchase and financing process. I understand that CCCS may make recommendations to me regarding lenders or programs, which may suit my individual needs.

  • I understand that CCCS is not an agent for any lender. I understand that even if CCCS believes I may not qualify for a loan, I have the right to submit an application to any lender.

  • I understand that completion of CCCS home ownership assessment, counseling, and education programs does not guarantee that a lender will approve any loan application submitted by me to a lender.

  • I also understand that completion of CCCS home ownership assessment, counseling, and education programs, and CCCS referral to a lender is not a commitment by the lender to make me a loan. I understand that only the lender can make such a commitment after receipt of a loan application completed by me.

  • I understand that CCCS receives funding from various sources including HUD grants, Debt Management revenue, the United Way, Creditor Fair Share and community support.

  • I understand that CCCS provides various types of services including: financial assessments, a Debt Management Program, bankruptcy counseling and education, various financial literacy courses, and housing counseling and education to include: financial management/budget counseling, home improvement and rehabilitation counseling, mortgage delinquency and default resolution counseling, pre-purchase counseling, rental counseling, services for homeless counseling, pre-purchase homebuyer education, financial, budgeting, and credit education workshops, fair housing pre-purchase education, and predatory lending education.

  • I understand that if I choose to use a Debt Management Program with CCCS, that there are fees for this service. A monthly fee is charged, which is figured at 1.5% of the client's monthly net income, not to exceed $50. Also a one- time only Setup Fee is charged, which is figured on a sliding scale based on the client's monthly total gross household income and family size. The setup fee is between $20 and $50, not to exceed $50.

  • I understand that I am not obligated to receive, purchase, or utilize any other services offered by the organization, or its exclusive partners in order to receive housing counseling services.

  • I understand that CCCS is a paid administrator for the Rapid City Community Development Corporation (RCCDC) and as an administrator CCCS gets paid by the hour for any work it does for RCCDC. The RCDC is a 501 ( c ) exempt private foundation that receives Community Development Block Grant Funds from the City of Rapid City to provide down payment and closing cost assistance, lot purchases for affordable single family home construction, or acquisition rehabilitation . When assistance is provided it is in the form of a soft second mortgage at zero percent interest. The RCCDC serves low-to-moderate income individuals and families.

  • I understand that while CCCS partners with many other organizations, it has no business practices or partnerships that would constitute a conflict of interest. CCCS has a Conflict of Interest Policy.

  • I understand that CCCS is incorporated as a non-profit 501 ( c) (3) organization and is governed by a volunteer Board of Directors. Our services are not for the private benefit/interest of our Board, staff, or consultants. CCCS has a Referrals and Transfers Policy that prohibits the practice of steering or directing referrals of applicants or clients to a private practice in which agency personnel, consultants, or immediate family members of personnel and consultants may be engaged.

  • I understand that CCCS has a Business and Professional Ethics Policy. All personnel know and abide by the Code of Ethics that is posted in every office.

  • I understand that CCCS has a Quality Control Plan and Quality Improvement Policies and Procedures for identifying, addressing, and mitigating any conflicts of interest and complying with HUD requirements.

  • I understand that in the event I am dissatisfied with any of CCCS's services I can utilize the Complaint Resolution Process.

  • At sometime in the future, my information may be used for confidential research, quality assurance/training purposes, and/or a neutral third party may contact me to request and evaluation of the organization's services.


Before continuing please make sure that:

  1. Your web browser is set to accept cookies.

  2. Your web browser is NOT set to delete the browsing history upon exit.

We strongly suggest that you try to have all your information at hand so that you may complete the entire application in one sitting. This online application uses secure, encrypted cookies and saves your information on your computer as you complete each step and go onto the next step so that if you do not finish and come back at a later time you may resume where you left off. However, depending on your browser's privacy and security settings there is a chance that your information may be lost if you do not finish, close your web browser and come back. Also, be aware that once you complete this application and click 'Submit' your information is securely sent to us and deleted from your computer for security purposes.



 

           
Consumer Credit Counseling Service of the Black Hills
2310 North Maple Avenue
PO Box 817
Rapid City, SD 57709
(605) 348-4550 or (800) 568-6615
Copyright © 2017, Paragon Financial Services

Privacy Statement