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Advantage Advisor
Monthly Newsletter
December / 2020
The CARES Act provides protections to many homeowners who are going through a financial hardship because of the pandemic. The protections apply to all federally backed and federally sponsored mortgage loans, which includes FHA, VA, USDA, Fannie Mae, and Freddie Mac loans. Mortgages not covered by the CARES Act may also provide similar forbearance options. Homeowners must request forbearance from their mortgage servicer.

Click below to read more:
In This Issue:

Help For Homeowners In 2020
Year-End Financial Planning
Wave Of Foreclosures Coming
Bounce Back After This Year
Clients Speak Out (Reviews)
Company News & Events
The Advantage Challenge
RECENT BLOG POSTS - 
The end of a year brings a lot of good things with it. The holiday season is a time for warmth, sharing, and joy. However, the end of the year also brings the need to begin your year-end financial planning. With December fast approaching, it’s time for you to start thinking about.... Read more!
With the arrival of the COVID-19 pandemic, the past year for most homeowners has been anything but ordinary. The unemployment rate has skyrocketed, and many people have been worried about reaching a point where they’ll be unable to make their mortgage payment.... Read more!
There’s no question 2020 has been a rocky year across the middle class for finances. Many jobs and investments have been lost as Americans look to a more hopeful future. A strong way to prepare for the new year in the transition back to stable financial.... Read more!
CLIENTS SPEAK OUT - 
"ACCS basically saved my life when I lost my job and had 3 maxed out credit cards. They had the interest rate of each card reduced to 2% or less and consolidated all my cards into one easy payment debited from my checking account each month.
The charge for their services if memory serves was minuscule to start and they did not take another dime for their services. 4 years later I’m proud to say that I am debt free and have a credit rating of 802!!! I cannot possibly thank ACCS enough for the blessing of their services." ~ Carl M.
"Your customer service was incredible. Thank you very much for all the help you've done. Because of you I can retire. Again thank you!" ~ Larry R.
"Everyone at ACCS was so helpful, anytime I had questions or concerns. Thank you so much!!!" ~ Sheila K.
COMPANY NEWS & EVENTS - 
Advantage CCS is COA Approved!

Advantage CCS recently underwent the reaccreditation process with the Council on Accreditation (COA) in late October, and we were notified in November that our agency was reaccredited!

The COA said - "On behalf of the Council on Accreditation (COA), I am delighted to inform you that Advantage Credit Counseling Service, Inc. has been reaccredited. In addition, Advantage Credit Counseling Service, Inc. was expedited through the Pre-Commission Review Report (PCR) process as a result of not receiving any out of compliance ratings in any of the fundamental practice standards. Congratulations on this amazing achievement!"

We're very happy to announce our reaccreditation and also the fact that we didn't receive any out of compliance ratings. That is extremely difficult to achieve! We are so thrilled with this news!
ADVANTAGE CHALLENGE - 
Are you up for the Advantage Challenge?

Advantage challenges YOU to...make a financial resolution for the New Year!

Focus on one good financial habit you would like to put into practice in 2021. It could be following a monthly budget, routinely saving for emergencies, paying down debt, or simply just tracking your expenses. Determine what it is you want to focus on and set a goal to accomplish it.

Let us know what your financial resolution is! Email news@advantageccs.org and tell us all about it! We'd love to hear from you!
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