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Pittsburgh — Strong and positive holiday memories are forged in most people’s hearts. Meals around the dining room table, stockings hung by the chimney with care, the opening of gifts and the sharing of stories - all activities that take place at home. 

 

Advantage Credit Counseling Service wants to help consumers avoid foreclosure at any time, but particularly during this holiday season. Homeowners can protect themselves from financial surprises surrounding their mortgages by using the National Foundation for Credit Counseling’s Mortgage Reality Check^SM.  This self-diagnostic tool is a predictor of the likelihood of foreclosure.

 

Continuing its five decades of financially educating and assisting consumers, the NFCC, of which Advantage CCS is a member, created the Housing Crisis Resource Center,^SM an online consumer resource available in both English and Spanish. The English site can be found at www.HousingHelpNow.org, with the Spanish site located at www.nopierdastuhogar.org. Within each site, consumers can find a wealth of resources including the Mortgage Reality Check^SM quiz. After answering a few questions, the consumer is placed into one of three categories:

·       Immediate Advice or Assistance Recommended

·       Review the Responsibilities of Homeownership

·       No Apparent Risk

 

Consumers who would like assistance regarding their mortgage can then call Advantage CCS at (888) 511-2227. A certified counselor can assist homeowners who are facing foreclosure by directing them towards the proper programs and helping them navigate the process to apply for assistance. Consumers can also utilize Advantage CCS’s free credit counseling and budget management services.

 

“The most important step a homeowner who is struggling with a mortgage can take is to get help immediately, either by calling their lender or a housing counseling agency. There are many more assistance options available early in the delinquency or foreclosure process,” said Mary Loftus, vice-president of agency services and education for Advantage CCS.

 

 Advantage Credit Counseling Service, formerly known as Consumer Credit Counseling Service of Western Pennsylvania, has been helping people get rid of their “debt monkey” since 1968 by educating them on matters of personal finance management, budgeting and credit management.

 

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