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    Financial

    Financial Services

    We’re proud to help consumers set and meet financial goals whether saving for a home, planning for retirement, or paying off debt. For more than 40 years, Housing and Credit Counseling Inc. has provided quality credit counseling and personal money management services.

    HCCI provides budget and debt counseling, bankruptcy and debt repayment solutions, student loan repayment services, and credit reports. People who are financially overextended due to job loss, divorce, hospitalization or overspending can benefit from HCCI’s low-cost debt repayment program, which enables consumers to repay their debts with reduced interest and fees.

    Initial Meeting

    This session is a comprehensive look at your current financial situation. It sets the foundation for identifying solutions to credit, personal budgeting and debt concerns.

    Debt Management Plan

    This program is designed to help people pay off significant debt. Debt Management Plans are widely endorsed by major creditors across the country.

    Fees & Forms

    Click here to learn more about our fees for Budget & Credit Counseling as well as our Debt Management Program. You will also find all the forms you may need to download.

    Bankruptcy Counseling

    If you plan to file for bankruptcy protection, you must get credit counseling from a government-approved organization within 180 days before you file. You also have to complete a debtor education course before your debts can be discharged. Pre-bankruptcy credit counseling and pre-discharge debtor education may not be provided at the same time. Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file. You must file a certificate of credit counseling completion when you file for bankruptcy and evidence of completion of debtor education after you file for bankruptcy — but before your debts are discharged. The Department of Justice’s U.S. Trustee Program approves organizations to provide the credit counseling and debtor education required for anyone filing for personal bankruptcy. HCCI is approved by the U.S. Trustee Program and may issue these certificates in the states of Kansas and Missouri.

    Student Loan Repayment Counseling

    Student Loan Repayment Counseling work includes options for persons to rehabilitate or refinance a loan. Once a loan(s) is rehabilitated, counseling includes options for deferment, forbearance, and/or loan forgiveness when that option is a possibility.

    Housing and Credit Counseling, Inc. helps student loan borrowers stay or get out of default and successfully repay their student loans. In addition to the resources below, contact HCCI for Student Loan Repayment counseling.

    For more information, choose one of the links below:

    What happens when someone gets a payday loan but can’t pay it back right away?

    https://www.youtube.com/watch?v=WtruZLAiJkc

    What happens if you borrow money in exchange for your car title?

    https://www.youtube.com/watch?v=KfNlTjY519c