Nonprofit Charity Provides Homeowners Free Loan Modifications to Avoid Foreclosure

Nonprofit Charity Provides Homeowners Free Loan Modifications to Avoid Foreclosure

Deerfield Beach, FL (PRWEB) September 22, 2011

Debt Management Credit Counseling Corp. (dmcconline.org), a non-profit-making charitable organization (“DMCC”), announced today that as part of its new Foreclosure Prevention Program it is providing qualified homeowners free loan modification services. Under this program, DMCC will prepare and submit loan modifications for homeowners free of charge if an initial assessment indicates that they qualify for a loan modification through the Home Affordable Modification Program (HAMP) or the Home Affordable Refinance Program (HARP), and it is a recommended solution for the homeowner to avoid foreclosure. DMCC housing counselors will analyze information furnish by the homeowner and provide them a written action intended with recommended solutions to avoid foreclosure establish on their personal situation and goals. It is essential that whatsoever homeowner who faces such decisions understands all their available options and seeks a solution from a HUD Approved Housing Counseling Agency such as DMCC.

Apart from those who knowingly take split in mortgage fraud, most homeowners face sudden extenuating circumstances that force them to stop make their mortgage payments; some of these reasons may be job loss, an illness, a death in the family or even an adjustable rate that has gotten too expensive. DMCC housing counselors can help these consumers avoid foreclosure by providing education and guidance about their available options, making this already overwhelming situation much more manageable. “We discuss everything from loan modifications and short sales to programs that are currently offered by the government. Our job is to supply the homeowner with the knowledge so they can make an inform decision” stated Stephen Lichtenberger, Operations Manager for DMCC. “We create an up to date budget with homeowners, as we believe this is a vital step in the process to help prevent the future venture of losing their home by maximizing their finances.”

DMCC housing counselors will reexamining available options with the homeowner and recommend the solution that best meets their fiscal situation. Possible solutions to prevent foreclosure include refinance, repayment plan, forbearance agreements, loan modifications, short sales, and rearward mortgages. If a loan modification through the Home Affordable Modification Program (HAMP) or the Home Affordable Refinance Program (HARP) is a viable and desired solution for homeowner, DMCC will prepare and submit the required modification documents to the homeowner’s mortgage lender. DMCC provides this service free of charge, along with personal budget counseling and other financial education, as part of their charitable mission. Debt management plans to assist consumers with the repayment of credit card accounts are also available. Lower credit card payments obtainable through debt management plans, combined with budgeting, is an option that may provide sufficient relief for homeowners to enable them to drop their monthly bond payment.

In order for homeowners to maximize the options available to them to prevent foreclosure, it is imperative that they seek assistance as soon as they know they will not be able to fitting their bond payments. Once a mortgage lender commences foreclosure proceedings, many options cease to be available. Homeowners wishing to acting advantage of this free service should contact DMCC at 866-618-3328 Monday through Thursday 9:00am to 5:00pm ET or Friday 9:00am to 3:00pm ET and ask to talk with a housing counselor.

About Debt Management Credit Counseling Corp.

DMCC is a non-profit-making 501(c)(3) public charity committed to educating consumers on fiscal issues and furnishing personal assistance to consumers overextended with debt. Education is supplied costless of charge to consumers via seminars, workshops, a proprietary fiscal literacy program, and a Brobdingnagian array of online and published materials. Free personal counselling is furnished to consumers to place the better options for the repayment of their debt. Consumers interested in uttering with a DMCC demonstrated credit counselor may name (866) 618-3328 or request aid at dmcconline.org. DMCC is a HUD Approved Housing Counseling Agency, is approved by the U.S. Trustee to supply bankruptcy advising and education, and has an A+ rating with the Better Business Bureau.

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CSI Global-Fleet Fuel Card Reaches 10-Year Milestone in Partnership with U.S. Bank and the Voyager Network

CSI Global-Fleet Fuel Card Reaches 10-Year Milestone in Partnership with U.S. Bank and the Voyager Network

Bonita Springs, FL. / Minneapolis, MN. (PRWEB) October 25, 2011

For more than two decades, CSI Global-Fleet Fuel Card has offered an innovative array of fuel, maintenance and service solutions that greatly simplify fleet fuel management. This month, CSI Global-Fleet Card commemorates its ten year partnership with the U.S. Bank Referral Partner program, powered by the Voyager Network. The CSI Global-Fleet Fuel Card brings great value to thousands of business customers and their fleets, thanks to the strength of the CSI Global-Fleet/U.S. Bank partnership and the value of the Voyager Network’s ongoing enhancements.

The Voyager Network offers national acceptance that has expanded to now include over 230,000 gas stations, truck stops and maintenance locations. U.S. Bank’s government, non-profit and tax exempt fleet fuel program and monthly billing process distinguishes it from other fleet fuel card programs. The referral partner program has innovative features geared towards enhanced controls, reporting and cost analysis.

“A critical component of the partnership between The CSI Global-Fleet Fuel Card and U.S. Bank has always been listening to our customers and responding with world class controls and management functions that drive savings to them,” explains Keith Stone, President and CEO of CSI Global-Fleet. “That continued commitment on both sides is why the partnership is thriving into its second decade.”

Fleet managers have benefited from a series of control and accounting enhancements in the past year.
New Controls added include:

    Driver and Vehicle Authorization Profiles-Ability to set up drivers and vehicles under a group profile, which is much more efficient than creating and maintaining them one at a time.     Third Prompt Capability-Support for additional text messaging data prompts following authorization.     Unlock Card Functionality and Notification-Allows users to unlock cards online and opt in to receive notification in the event that a card has been locked due to multiple use attempts using an invalid PIN or ID number.

New Management Reports added include:

    Top Dollars by Merchant-Users can use the Top Dollars by Merchant report to actively manage key vendor relationships for maximum program value.     Cards with High Gallons-Provides information about cards that have a high gallon volume.     Cards with Non-fuel Purchases- Identifies cards that drivers have used to buy something other than fuel, such as auto parts or food.     Cards with Multiple Purchases per Day-Lists cards that have multiple purchases per day.     Fuel Economy by Vehicle Description- Monitors fuel economy for all vehicles (summarized by make and model) in a program. With this information, fleet managers can identify potential card misuse and improve the economic and environmental impact of their programs.     Vehicle cost analysis – Provides a detailed picture of the cost of each vehicle in the program for improved cost management.

“From the beginning, we have been impressed with CSI’s commitment to providing its customers with the most innovative darted and corporate purchasing products along with the highest level of customer served,” said Jeff Rankin, Senior Sales and Marketing Officer for U.S. Bank Corporate Payment Systems. “We are proud of our role in helping CSI sustain its reputation for delivering highly customizable and flexible business solutions such as the CSI Global-Fleet Fuel Card.”

About CSI Global-Fleet and CSI Enterprises, Inc.
The CSI Global-Fleet Fuel Card is a product of CSI Enterprises Inc., who provides a specific line of controlled financial payment products including business fleet fueling/maintenance payment cards, a corporate virtual payment and card solutions for corporate purchasing, travel and entertainment spending. Today CSI and its products operate in all fifty states as well as Canada, Mexico and the Caribbean, with operating subsidiaries involved in venture capital and B2B mobile payments. Since 1989, CSI Enterprises, Inc. was the first and largest U.S. organization to have a successful corporate asset management and payment network throughout the U.S. and Latin America.

Visit us at csiglobal-fleet.com.

About the Voyager Network
Voyager Fleet Systems Inc. is a leading card network for fuel and maintenance merchants. Specifically designed to serve the needs of automobile and light truck fleets, Voyager acceptance is found on gas pumps and registers of more than 230,000 selling locations in all 50 states. The network, which is owned and operated by U.S. Bank, is designed to capture fleet management information beyond the abilities of other card networks.

About U.S. Bank
In addition to operating the card network, U.S. Bank issues its own fleet card, private label cards and channel partner cards to over 1.6 million vehicles. U.S. Bancorp (NYSE: USB), with $ 321 billion in assets as of June 30, 2011, is the parent company of U.S. Bank, the fifth-largest commercial bank in the United States. The company operates 3,086 banking offices in 25 states and 5,086 ATMs and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. U.S. Bancorp and its employees are dedicated to improving the communities they serve, for which the company earned the 2011 Spirit of America Award, the highest honor bestowed on a company by United Way. Visit U.S. Bancorp on the web at http://www.usbank.com.

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.