In observance of the Thanksgiving Holiday our hours of operations will be
8 am – 5 pm (Pacific) on Wednesday, November 25th.
We will be closed on Thursday, November 26th and Friday, November 27th.

As an agency approved by the Executive Office for United States Trustees, they have requested that all approved agencies provide information that could be beneficial to consumers seeking our services. Credit.org would like to share this information with those consumers who maybe financially distressed.

The National Mortgage Settlement is the largest consumer financial protection settlement in United States history, and settles certain state and federal investigations relating to mortgage servicing abuses, including abuses in the bankruptcy process. The settlement will provide as much as $25 billion in relief to distressed borrowers and direct payments to states and the federal government.

To permit borrowers to determine whether their loans are affected by this settlement, the timeline for relief, and other eligibility questions, various governmental offices involved in the settlement have posted information on several websites noted below:

  1. The United States Trustee Program’s website concerning the National Mortgage Settlement, which includes Frequently Asked Questions: http://www.justice.gov/ust/eo/public_affairs/consumer_info/nms/index.htm
  2. The website of the Office of Mortgage Settlement Oversight at: http://www.mortgageoversight.com/
  3. The website of the Executive Committee of the state attorneys general: http://www.nationalmortgagesettlement.com/

*Approval by the EOUST to issue bankruptcy certificates evidences completion of a budget and credit counseling and debtor education course in compliance with the Bankruptcy Code. EOUST approval does not endorse or assure the quality of an Agency’s service.
**The EOUST has reviewed only the Agency’s counseling/instructional services and no other services the Agency may provide [28 C.F.R. section 58.20(l)(11)].
***The Agency may disclose client information to the United States Trustee in connection with the United States Trustee’s oversight of the agency, or during the investigation of complaints, during on-site visits, or during quality of service reviews.