El Paso del Norte Region

Consumer Credit Counseling Service

 

Economic Empowerment of women and girls is a hallmark program of the YWCA USA, and the YWCA El Paso Del Norte Region. This program helps women, girls, and the entire community to achieve economic stability and financial health.  Confidential credit and budget counseling, and money management education services are available in person, by telephone, or by internet.      All services are available in English or Spanish.

CCCS Client Log-inUnder our division of Economic Empowerment Services, the following free or low cost counseling and education components are available:

Credit and Budget Counseling   A credit counselor explains the impact that budgeting and credit abuse has on personal wealth, and works with you to develop a spending plan to achieve financial goals. The counselor will also advise you on establishing/recovering credit
Credit Review Counseling   A credit counselor will access your credit report, review it with you, and provide explanation and instruction on how to improve it and how to dispute erroneous information.  
Debt Management   CCCS helps you by working with your creditors to arrange and administer repayment plans that you can afford and creditors will accept.  Debt management will help you avoid bankruptcy and get out of debt as quickly as possible, with the least amount of damage to your credit standing.  
First Time Homebuyer Counseling  
CCCS guides you, the prospective homebuyer, through the entire home buying process by providing up-to-date information on various down payment assistance programs and by advising you on solving credit issues so that you will qualify for a mortgage.   First-time homebuyer educational workshops are free.
Housing Counseling   CCCS provides housing counseling addressing a variety of situations: mortgage default & foreclosure; mortgage re-financing, & rental default.   
Pre-File Bankruptcy Counseling   A credit counselor reviews your financial situation and advises on options that are available as alternatives to bankruptcy.  This counseling fulfills the financial counseling requirement of the Executive Office of the U.S. Trustee (EOUST).

Financial Education Programs Covers topics in a classroom or on-line setting; most of these are free to the public:
         Stretching Your Dollar$:   basic budgeting
         Credit When Credit Is Due:  comprehensive credit management 
         Money in Motion:
 comprehensive financial management overview.
This fulfills the financial education requirement of the Executive Office of the U.S. Trustee.
 
         Check Wise: a bank account management course   
         Housing Orientation: a first look at homeownership   
         First Time Homebuyer Seminar: comprehensive overview of buying a house   
         Post-purchase Homeowner: an overview of the responsibilities of owning a home  
        (All classes are offered in English and Spanish. Online options available for a small fee.) 

Financial Counseling for Military Service Members, Veterans, and their Dependents Counseling and education classes addressing the special needs of the military, former military, and their family members are offered throughout the community. 
Children Cope with Divorce
  This educational course, for parents of minor children, teaches effective parenting during the transition of divorce through the following topics: the process of divorce, how children react, helping children adjust, dealing with new family structures, and identifying children at risk.  Available in English or Spanish. Cost: $50

Special Programs:

Effective Money Management   This grant-funded program provides financial counseling/coaching and money management instruction to unbanked or under-banked community members. The program teaches participants to manage their finances using banking resources, how to budget, how to manage credit wisely, and how to distinguish between wants versus needs to achieve savings goals. Please call the CCCS offices to speak with a credit counselor and learn more, 356-CCCS (2227). 
Fair Housing We provide Fair Housing information, instruction, and Fair Housing law violation complaint counseling. Call for appointment, 577-2530.

Emergency Financial Assistance and Counseling for Texas Veterans:  We provide emergency financial assistance to qualified Texas Veterans and their family members, for qualifying situations. This program is made possible by a grant from the Texas Veterans Commission Fund for Veterans' Assistance. The Fund for Veterans' Assistance provides grants to organizations servicing veterans and their families. For more information, please contact Patricia Sanchez or Jehan Dallo at 915- 577-2530.

Making Home Affordable Project: TheYWCA’s Economic Empowerment Divisionis participating in a nationwide partnership to help families struggling with their mortgage payments apply for help from the Federal government’s Making Home Affordable Program – a key part of the Obama Administration’s efforts to help families avoid foreclosure and strengthen the housing market recovery. TheYWCA’s Economic Empowerment Division– a housing counseling agency approved by the U.S. Department of Housing and Urban Development (HUD) – is working in partnership with the U.S. Department of the Treasury, NeighborWorks® America and more than 700 housing counseling agencies across the country to help homeowners complete application materials for the program free-of-charge and successfully submit them to their mortgage company.

 

If you have questions or want more information about the YWCA’s Consumer Credit Counseling Service, please call 577-2530 or email at cccs@ywcaelpaso.org.

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