Lutheran Social Services of South Dakota

If you feel like you could become past due or your mortgage may be at risk, you should talk with your lender. To help you prepare, contact Consumer Credit Counseling Service (CCCS) first for a foreclosure prevention counseling appointment with a certified credit and housing counselor.

CCCS is here to assist you with your efforts to prevent or resolve a delinquency by focusing on your goals, home loan, monthly spending and savings plans (budget), and other debt. You will be totally prepared to talk with your lender and provide up to date, accurate and documented information.

If you've already fallen behind? It is imperative that you contact your lender. Again, CCCS can partner with you by offering loss mitigation counseling to help avert foreclosure. Most lenders will be willing to work out a plan with you if you will contact them and tell them of your financial concerns.

Their objective is to collect the money due on your loan, not foreclose on it. If your choice is to keep your home and the payments are affordable, your counselor will assist you to put together a plan to bring your mortgage up to date, assist with lender negotiations and document your ability to handle the mortgage once it is up to date.

CCCS housing counselors are prepared to discuss all loan workout options with you, including retention options as well as liquidation options. CCCS is a participant in the National Foreclosure Mortgage Counseling Program (NFMCP) that includes intensive foreclosure prevention training for housing counselors. If you agree to participate in this program, a NFMCP grant will pay for your counsel. All you have to do is call for an appointment, come in and bring all the necessary papers. The CCCS certified credit and housing counselors are trained to assist you with the necessary budget counseling and the financial information you need to get back on track with your lender and with your life.

If this sounds like your situation, call CCCS today at 605-330-2700 or toll free 888-258-2227!

Whatever your situation, you will leave with a better understanding of your finances and a plan of action.

Consumer Credit Counseling Service
Tracy Gran, Director
705 East 41st Street, Suite 100
Sioux Falls, SD 57105
1-605-330-2700
1-888-258-2227
Fax: 1-605-357-0150
Email: Consumer Credit Counseling Service

Accredited by the Council on Accreditation for Children and Family Services.
A member of National Foundation for Credit Counseling (NFCC).
A HUD approved Housing Counseling Agency.