Debt Management

If you are behind in paying your bills, facing health or job issues or just do not have enough money at the end of every month, talk to a HUD-Approved Counseling Agency before you have a serious debt problem. If you currently have a large debt and are behind in payments, DO NOT DELAY - Call a HUD-Approved Counseling Agency.

DO NOT . . .
Call or in any way respond to door hangers, flyers and other advertisements left on your house or mailed to you promoting debt relief, bill consolidation or refinancing a house loan as a solution for your debt.
Talk to a HUD-Approved Counseling Agency first.

Here are steps you should take for Debt Management

Immediately stop spending for any unnecessary expenses and cut expenses where you can.
Make a complete list of all of your debt. This includes house payments, car payments, credit card debt, other installment loans and student loans. Your list should have the name, address and phone number of the creditor and how much you owe and when you made your last full payment.
Make a list of your average utility bills such as heat, electric, water and other bills such as car payment, car insurance, health insurance, cable TV, main phone, cell phone, weekly grocery bills and all other ways you spend your money.
Next Call a HUD-Approved Counseling Agency, get an appointment to discuss all of your options and keep your appointment.
You will have to consider all financial resources to draw from to get out of debt, i.e. - 401K hardship withdrawal, part-time job.
Read and keep all your mail from all your lenders.
If you are a homeowner, you may have to give up your home through Loss Mitigation. This means that HUD Approved counselors work with you to get the most money you can out of your house either giving it back to your lender or selling the housing at fair market value. This program does not work for everyone, but it can in some cases get you out of debt. Giving up your home is a serious step to take but it is better than loosing your home to foreclosure by the lenders.
If you are seriously impacted by all of your debt, many HUD Approved Counseling Agencies also have contacts for subsidized rental housing so you can have a nice apartment to rent and get back on your feet financially.
DO NOT call or respond to any debt relief flyers or door hangers or commercials on late night television. They will take all of your home's value and then some, leaving you in worse financial shape. Call a HUD Approved Counseling Agency instead.

Call a HUD-Approved Counseling Agency

You can meet one-on-one with a counselor to discuss the cause of the delinquency, budget, options to avoid foreclosure, loss mitigation, the foreclosure process, and to design an "action plan." The counselor, in some circumstances, can assist in working with your lender or any other party in solving the mortgage delinquency. You should be prepared to provide recent correspondence from the lender, income and debt information, and any other information relevant to delinquency of the mortgage.

How to Make an Appointment

To schedule an appointment, contact one of the following agencies. Agencies are listed in geographical order. Start your contact research with organizations or groups that are closest to your location:

Boulder

Colorado Spring / Southern Colorado

Denver Metro Area

Fort Collins / Northern Colorado

Statewide

Western Colorado

Boulder

Boulder County Housing Counseling Program
3482 North Broadway, Boulder, CO 80304
Services: Boulder County Housing Counseling Program offers comprehensive housing counseling in the areas of pre-purchase, default/foreclosure prevention, credit repair/budgeting and reverse mortgage (HECM) counseling. The Program also offers a monthly CHFA-certified homeownership education course and quarterly financial management education course. Boulder County Housing Authority is a HUD-approved counseling agency and has been providing comprehensive housing counseling services for more than 20 years. Spanish interpretation provided for the classes upon request and for one-on-one appointments.
Main Number: 720-564-2279
www.co.boulder.co.us/cs/ho/counseling/index.htm

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Colorado Spring / Southern Colorado

Consumer Credit Counseling Service of Pueblo
200 W 1st St, Suite 203, Pueblo, CO 81003
Services: Consumer Credit Counseling Service of Southern Colorado provides advice, assistance, education, and counseling in areas such as first-time home buyers issues, foreclosure prevention, rental delinquency, and reverse equity mortgages.
Main Number: 719-542-6620 Toll-Free 888-218-5741
www.cccs.net

Consumer Credit Counseling Service of Southern Colorado
1233 Lake Plaza Drive, Suite A, Colorado Springs, CO 80906-3555
Services: Consumer Credit Counseling Service of Southern Colorado provides advice, assistance, education, and counseling in areas such as first-time home buyers issues, foreclosure prevention, rental delinquency, and reverse equity mortgages.
Main Number: 719-576-0909 Toll-Free 800-798-3328
First-Time Home Buyers Registration Line - 719-576-0909 ext 222
www.cccs.net

Consumer Credit Counseling Service of Southern Colorado
5265 North Academy Blvd, Suite 100, Colorado Springs, CO 80918
Services: Consumer Credit Counseling Service of Southern Colorado provides advice, assistance, education, and counseling in areas such as first-time home buyers issues, foreclosure prevention, rental delinquency, and reverse equity mortgages.
Main Number: 719-598-2227
www.cccs.net

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Denver Metro Area

Adams County Housing Authority (A.C.H.A.)
7190 Colorado Blvd., - 6th Floor, Commerce City, CO 80022
Services: A.C.H.A. participates in federally funded programs to assist people to become homeowners and prevent foreclosure and/or eviction. Utility assistance is also available periodically. Our mission is to assist and support the members of the community in fulfilling their housing needs. HECM training also available.
Main Number: 303-227-2075
www.AdamsCountyHousing.com

Brothers Redevelopment, Inc. (BRI)
2250 Eaton Street, Suite B, Denver, CO 80214-1210
Services: Brothers Redevelopment (BRI) is a private non-profit organization providing housing services including comprehensive housing counseling and education. BRI is certified by HUD as a Comprehensive Housing Counseling Agency and has been providing housing counseling since 1986.
Main Number: 303-202-6340 Toll-Free 800-258-1274
www.briathome.org

Colorado Housing Assistance Corporation (CHAC)
670 Santa Fe Dr, Denver, CO 80204
Services: Foreclosure prevention (City and County of Denver only) - CHAC offers flexible loans to eligible homeowners in the City and County of Denver to catch up on past due mortgage payments or to bring real estate taxes current, A HUD Certified Housing Counseling Agency must refer homeowners in need of these services to CHAC.
Main Number: 303-572-9445
For class information and registration call 303-572-9445, ext. 12
www.ColoradoHousingAssistance.org

Consumer Credit Counseling Service of Greater Denver
10375 E. Harvard Avenue, Suite 300, Denver, CO 80231
Services: Housing counseling services provided are foreclosure prevention, pre-purchase, refinancing, predatory lending concerns and homebuyer workshops. Spanish services are available for foreclosure prevention counseling.
Main Number: 303-632-2100 Toll-Free 800-224-9885
www.CCCSDenver.com

Del Norte NDC - Mercedes Fuentes, Homeownership Counselor
2926 Zuni St., Suite 202, Denver, CO 80211
Services: Del Norte NDC provides foreclosure prevention counseling, homebuyer education and financial fitness classes for consumer education..
303-477-4774
Email: mfuentes@delnortendc.org
www.DelNorteNDC.org

Northeast Denver Housing Center
1735 Gaylord Street, Denver, CO 80206
Services: Counseling offered includes foreclosure prevention, new homeownership and reverse equity. Design and Development - real estate developer involved in production of affordable and economical projects throughout the community.
Main Number: 303-377-3334
www.NEDenverHousing.org

Southwest Improvement Council - SWIC
1000 S. Lowell Blvd., Denver, CO 80219
Services: SWIC will help you get and keep affordable housing. We have down payment assistance, housing counseling of all types, and help with financial management (budgets and debt reduction counseling). Many other services including food, clothing, hot lunch for seniors, recreation and education for children, and health promotion programs for adults.
Main Number: 303-934-2181 Fax: 303-934-0035
www.swic-denver.org

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Fort Collins / Northern Colorado

Neighbor to Neighbor
424 Pine Street, #203, Fort Collins, CO 80524
565 No. Cleveland, Loveland, CO 80537
Services: Neighbor to Neighbor provides HUD Certified housing counseling along all points of the housing continuum from the homeless to home ownership to reverse mortgages for older adults. Special focus on first-time home buyer classes, foreclosure prevention, and reverse mortgages.
Main Fort Collins Number: 970-484-7498
Main Loveland Number: 970-663-4163

Consumer Credit Counseling Service of Northern Colorado and SE Wyoming
1247 Riverside Ave, Fort Collins, CO 80524
Services: Non-profit agency whose mission is to improve the well-being of families and individuals by helping prevent and resolve financial problems and learn money management skills. We have housing services offered regarding purchasing a home, homebuyer classes, avoiding foreclosure, reverse mortgage for senior citizens, and credit report reviews.
Main Number: 970-229-0695 Toll-Free 800-424-2227
For appointment and workshop information call 800-424-2227 ext 300 or 970-229-0695 ext. 300
www.cccsnc.org

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Statewide

Brothers Redevelopment, Inc. (BRI)
Note that this group serves the entire state of Colorado
2250 Eaton Street, Suite B, Denver, CO 80214-1210
Services: Brothers Redevelopment (BRI) is a private non-profit organization providing housing services including comprehensive housing counseling and education. BRI is certified by HUD as a Comprehensive Housing Counseling Agency and has been providing housing counseling since 1986.
Main Number: 303-202-6340 Toll-Free 800-258-1274
www.briathome.org

Consumer Credit Counseling Service of Greater Denver
Note that this group serves the entire state of Colorado
10375 E. Harvard Avenue, Suite 300, Denver, CO 80231
Services: Housing counseling services provided are foreclosure prevention, pre-purchase, refinancing, predatory lending concerns and homebuyer workshops. Spanish services are available for foreclosure prevention counseling.
Main Number: 303-632-2100 Toll-Free 800-224-9885
www.CCCSDenver.com

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Western Colorado

Consumer Credit Counseling Service - Grand Junction
225 N 5th St, Suite 11, Grand Junction, CO 81501
Services: Consumer Credit Counseling Service of Grand Junction provides advice, assistance, education, and counseling in areas such as debt management, CHFA first-time home buyer programs, foreclosure prevention, and default housing counseling.
Main Number: 970-242-2000 Toll-Free 800-224-9885
www.cccsDenver.net

Grand Valley Housing Initiatives
1011 N. 10th St., Grand Junction, CO 81501
Services: GVHI Provides pre purchase counseling, homebuyer education, loss mitigation/preforeclosure counseling, budgeting and credit counseling.
Main Number: 970-245-0388
www.GVHI.org