Disclosures

Housing Counseling and Education Services Disclosure

Please read the following statements carefully. For simplification the singular is used even when the plural may apply.

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 enroll onto a Debt Management Program (“DMP”) with CCCS and Navicore Solutions (collectively, the “Agencies”), that there are fees for this service:

South Dakota and Wyoming Residents:
CCCS charges a one-time setup fee between $50 and $95, which is determined using a sliding scale based on the client’s monthly gross household income and family size. Once enrolled on the DMP, Navicore Solutions charges a monthly fee of up to $60.

North Dakota Residents:
CCCS charges a one-time setup fee of up to $50. Once enrolled on the DMP, Navicore Solutions charges a fee of the lesser of 15% of the client’s payment to creditors, or $60.

Nebraska Residents:
CCCS charges a one-time setup fee of $25 that will be credited to your total fees charged. Once enrolled onto the DMP, Navicore Solutions charges the lesser of 15% of the client debt agreed to be paid or $60.00, amortized over the life of the plan.

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

I understand that while the Agencies may partner with many other organizations, they have no business practices or partnerships that would constitute a conflict of interest. The Agencies each have Conflict of Interest Policies.

I understand that both Agencies are incorporated as non-profit 501 (c) (3) organizations and are each are governed independently by separate volunteer Boards of Directors. The Agencies’ services are not for the private benefit/interest of their Board, staff, or consultants. The Agencies have policies in place that prohibit 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 the Agencies each have Business and Professional Ethics Policy. All personnel know and abide by the Code of Ethics that is posted in every office.

I understand that both Agencies have 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 the Agencies’ services I can utilize the Complaint Resolution Process.

At some time in the future, my information may be used for confidential research, quality assurance/training purposes, and/or HUD or a neutral third party may contact me to request and evaluation of the Agencies’ services.

 

Product Enrollment and HUD Demographics Form

As an organization receiving federal funds from HUD, we are required to collect the following demographic information about participants in our programs.

I understand that CCCS/BH receives federal funds through Housing and Urban Development (HUD) and is required to collect demographic information about program participants and to share some of my personal information with HUD program administrators or their agents for purposes of program monitoring, compliance and evaluation.

I understand that my information may also be used for confidential research, quality assurance/training purposes, and/or a neutral third party may contact me to request an evaluation of the organization’s services.