Rushmore Consumer Credit Resource Center

Programs: Consumer credit counseling service of the black hills' mission is helping improve financial stability through counseling and education. We provide comprehensive financial and housing counseling at no charge. Housing services include: pre-purchase housing counseling, homebuyer education, and loss mitigation foreclosure prevention counseling, a certified consumer credit counselor meets with an individual or family for 90 to 120 minutes and helps them develop a personalized action plan to overcome their housing and financial obstacles and obtain and maintain safe and affordable housing. We provided housing and financial counseling for 518 families. For some insolvent individuals and families the financial counseling assessment reveals that a debt management programs is a viable option that helps them manage their finances and repay their debts. Seventeen percent of the clients we counseled elected to enroll in the debt management program. Our debt management clients repaid over $1,426,213. For individuals considering bankruptcy we provide pre-filing credit counseling and post-filing debtor education. We provided bankruptcy services for 144 individuals.

the american center for credit education's mission is providing financial education and counseling programs that assist individuals and families to manage financial resources. We develop and publish financial education programs including checkwise, credit when credit is due, counseling in motion, financially frozen, make your move: a guide to homeownership, money in motion, start right: build your own business, cut through the confusion on health insurance and medical bills, rebuilding your credit. We also distribute these programs nationwide to non-profit credit and housing counseling agencies and community action agencies. We have distributed over 1,756,340 financial literacy programs. We provided our financial literacy programs for area our clients, high schools, universities, non-profit organizations, the military, employers, correctional facilities, job training, reservations, government agencies and more. We also provide post discharge bankruptcy education. In south dakota we provided financial education programs for 1,425 individuals.