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CREDIT & BUDGETING
Client Financial Worksheet (Excel & Adobe): Use these worksheets for preparation for a counseling session, to review your own financial health or to email to a counselor. It’s a great way to document your income, living expenses and the creditors you have.
Credit Bureau Authorization Form: This form provides written authorization to pull a copy of your merged credit report. The Fee for this report $25.00 and comes with a review. There is no charge for Military OneSource members.
Take Control of Your Money This printable packet walks you through planning your paychecks, organizing the dates you will pay bills, tracking spending, balancing your budget and saving for goals.
Money Tracker A tracking sheet to write where and for what money is
Taking the Mystery out of Credit: This handout gives basic understanding of what goes into a credit score, how to dispute incorrect items on your report, accessing your free report and making improvements to your credit report.
Money Management Templates in Microsoft Excel:
Emergency Savings Plan Use this form to plan and reach your emergency savings goal.
My-Monthly-Budget-Template This form helps organize expenses and show expense proportions in your budget.
Personal Cashflow Budget Planner For people who have an income that varies month to month a cashflow plan can help you anticipate your yearly expenses and identify the weeks and months ahead where you may fall short – giving you time to plan.
Tracking Expenses Calendar by Month Capture your month’s activities and analyze them to find all your budget building opportunities.
Insta-Budget – Average Expenses by Family Size and Income Use this spreadsheet to find out expense averages for people with your income and family size. It’s a great place to start when you don’t know how to build a budget.
WEEKLY Cashflow Spreadsheet If your income varies from month to month, use this template to plan out your income and expenses so you can anticipate the months you will be short. Planning ahead will give you time to make adjustments, rather than reacting month to month to annoying changes in income.
DEBT MANAGEMENT PLAN FORMS
Statement of Counseling Read basic information and disclosures about our counseling.
Keys to DMP: This packet gives important information on your responsibilities while you are on the Debt Management Plan and will help you make the most of your opportunity to become debt free.
Privacy-Notice Protecting your private information is a major priority at CCCS. This document states what personal information is gathered by our agency and for what purposes it is used.
Credit Bureau Authorization Form: This form provides written authorization for CCCS to pull a copy of your merged credit report. The Fee for this report $25.00 and comes with a review. There is no charge for Military OneSource members.
CLIENTS FILING BANKRUPTCY
Statement of Prefiling Briefing: Read basic information and disclosures about pre-filing credit counseling for bankruptcy
Statement of Predischarge: Read basic information and disclosures about pre-discharge education required for discharge through bankruptcy
Privacy Notice: Protecting your private information is a major priority at CCCS. This document states what personal information is gathered by our agency and for what purposes it is used.
Bankruptcy Fee Waiver Request: Clients filing Bankruptcy who fall within certain income guidelines may need to request a fee waiver. If a fee waiver is granted, the online class is not available.
Third Party Authorization: This allows your CCCS counselor to speak to your mortgage company about your mortgage issues.
BAC Checklist & Expectations: This is for clients with a Bank of America (BAC) mortgage, and it provides you with a list of documents Bank of America will need in order to review your account for a possible loan modification, repayment plan, short sale, or other workout program. This also provides you with insights on problems that Bank of America frequently encounters with home retention applications, which can help you avoid those common mistakes.
Dodd-Frank Form: Most mortgage companies require this form when you apply for a home retention plan. By checking the box and signing this form, you are agreeing that you have not been convicted of mortgage fraud in the past 10 years.
4506T: Even though your mortgage company may ask you to submit tax returns with your home retention application, they still may want to independently verify the information contained in your tax returns. This form gives your mortgage company the authority to request a transcript of your tax returns from the IRS.
4506T EZ 2012: Some mortgage companies require the 4506T, and some require the 4506T-EZ when applying for a loan modification or other plan. Check with your mortgage company to see which they require.
2012 RMA_Request for Mortgage Assistance: When applying for a workout, your mortgage company will require this completed and signed worksheet. Your counselor can help you complete this form.