Consumer Credit Counseling Service Of Delaware Valley
Consumer Credit Counseling Service Of Delaware Valley
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About this organization
Mission
Clarifi empowers individuals to achieve financial resilience and positively impact their communities.
About
MORTGAGE DEFAULT PREVENTION AND LOSS MITIGATION COUNSELING: CLARIFI WORKS WITH STRUGGLING HOMEOWNERS IN ALL STAGES, FROM THOSE WHO ARE CURRENT BUT FACING POTENTIAL FUTURE DELINQUENCY TO THOSE WHOSE HOMES ARE SCHEDULED FOR SHERIFF'S SALE. OUR COUNSELORS WORK WITH CLIENTS TO FIRST DETERMINE THE REASON(S) THAT THE CLIENT IS DELINQUENT AND DISCUSS OPTIONS TO BRING THE MORTGAGE CURRENT. THEY THEN COMPLETE A CURRENT BUDGET ANALYSIS AND WORK TO ESTABLISH A REALISTIC BUDGET. COUNSELORS ASSIST WITH INTERVENTIONS INCLUDING HARDSHIP LETTERS; APPLICATIONS FOR MODIFICATION; AND FORBEARANCE. IF APPROPRIATE, THE COUNSELOR MAY REFER CLIENTS TO OTHER SERVICES TO HELP WITH OTHER AREAS SUCH AS UTILITIES, FOOD AND CLOTHING, IN ORDER TO FREE UP ADDITIONAL FUNDS TO PAY THE MORTGAGE, AND/OR REFER THEM TO SOCIAL AGENCIES THAT MAY HAVE GRANTS FOR HOMEOWNERS IN DEFAULT. CLARIFI ALSO COLLABORATES WITH GOVERNMENT AGENCIES AND COURT SYSTEMS IN PHILADELPHIA, PA, NEW JERSEY, NEW CASTLE COUNTY, DE, MONTGOMERY COUNTY, PA, AND DELAWARE COUNTY, PA TO ASSIST HOMEOWNERS WHOSE PROPERTIES ARE SCHEDULED FOR SHERIFF'S SALE. CLARIFI HAS COUNSELORS IN COURT WORKING WITH HOMEOWNERS AND COUNSEL TO EXPLORE ALL OPTIONS INCLUDING LOAN MODIFICATION, SHORT SALE, REFINANCING, AND APPLICATION FOR A HOMEOWNERSHIP PRESERVATION LOAN IF APPLICABLE. TOGETHER WITH LOCAL PRO BONO ATTORNEYS, CLARIFI WORKS TO CONTINUE THE NEGOTIATIONS WITH THE MORTGAGE COMPANY, AND SUBMITS CONCILIATION PROPOSALS IN COURT, WHICH OUTLINE THE CLIENT'S BUDGET AND EFFORTS TO MAKE PAYMENT ARRANGEMENTS WITH THE END GOAL OF AVOIDING FORECLOSURE. CLARIFI HAS ALSO ESTABLISHED RELATIONSHIPS, DIRECT LINES OF COMMUNICATION, AND ONGOING BORROWER OUTREACH CAMPAIGNS WITH MULTIPLE MORTGAGE SERVICERS AND INVESTORS TO IMPROVE THE LINE OF COMMUNICATION WITH MORTGAGE BORROWERS IN DISTRESS. IN 2018, CLARIFI PROVIDED 2,097 COUNSELING SESSIONS TO 1,559 HOMEOWNERS IN VARIOUS STAGES OF MORTGAGE DEFAULT, WITH 825 REPORTING THAT THEY AVOIDED FORECLOSURE OR WERE IN THEIR HOMES WORKING TOWARD SOLUTION AS OF 12/31/18.
Interesting data from their 2020 990 filing
According to the filing, the non-profit's mission is “We create hope by helping people identify and secure the most important assets in their lives. our envisioned future is one where everyone will have affordable access to the intellectual and technological resources required to comprehend and master the financial aspects of their lives.”.
When referring to its actions, they were described as: “We create hope by helping people identify and secure the most important assets in their lives.”.
- According to the law, the state of operation reported by the non-profit is PA.
- As per the filing, the address of the non-profit for 2020 is 1635 MARKET ST 5TH FL, PHILADELPHIA, PA, 19103.
- According to their form, the non-profit as of 2020 has a total of 69 employees.
- Is not a private foundation.
- Expenses are greater than $1,000,000.
- Revenue is greater than $1,000,000.
- Revenue less expenses is $311,503.
- The organization has 21 independent voting members.
- The organization was formed in 1966.
- The organization pays $3,388,064 in salary, compensation, and benefits to its employees.
- The organization pays $337,125 in fundraising expenses.
Additional Non-Profits in the area
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