CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY

FINANCIAL EMPOWERMENT (PUBLIC SUPPORT): CLARIFI'S FINANCIAL EMPOWERMENT PROGRAM UTILIZES A RELATIONSHIP-BASED, CASE MANAGEMENT APPROACH TO COUNSELING INDIVIDUALS TOWARDS FINANCIAL RESILIENCE. COUNSELORS BUILD LONG-TERM RELATIONSHIPS WITH CLIENTS BASED ON EMPATHY AND TRUST, HELPING THEM SET THEIR OWN FINANCIAL GOALS SUCH AS REDUCED DEBT, IMPROVED CREDIT, AND INCREASED SAVINGS AND CREATE A STEP-BY-STEP ACTION PLAN FOR ACHIEVING THEM. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY FINANCIAL GOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHER APPOINTMENTS. SERVICES ARE OFTEN PROVIDED IN COMMUNITY-BASED LOCATIONS IN PARTNERSHIP WITH ORGANIZATIONS LIKE CAREERLINK AND CHILDREN'S HOSPITAL OF PHILADELPHIA. THERE ARE NO ELIGIBILITY REQUIREMENTS AND NO LIMITATIONS ON THE VOLUME OF SERVICE PER CLIENT. CLIENTS OFTEN RETURN FOR MULTIPLE FOLLOW-UP APPOINTMENTS. THIS METHODOLOGY INCREASES THE CHANCE THAT EACH CLIENT MAKES POSITIVE BEHAVIORAL CHANGES AND MAINTAINS FINANCIALLY HEALTHY BEHAVIORS OVER TIME, BOTH OF WHICH YIELD STRONG, MEASURABLE LONG-TERM OUTCOMES. IN 2024, CLARIFI PROVIDED 3,742 FINANCIAL EMPOWERMENT COUNSELING SESSIONS TO 2,255 UNIQUE CLIENTS. OF THOSE CLIENTS, 261 REDUCED USE OF SHORT-TERM CREDIT, 604 ESTABLISHED EMERGENCY SAVINGS, 71 ESTABLISHED A CREDIT PROFILE, 276 INCREASED THEIR CREDIT SCORE BY 35+ POINTS, AND 850 ACHIEVED AND MAINTAINED CAPACITY TO MEET BASIC NEEDS FOR 90 DAYS.

HOUSING (PUBLIC SUPPORT): CLARIFI'S HOUSING COUNSELING PROGRAM HELPS FAMILIES FIND, SECURE, AND MAINTAIN SAFE HOUSING. THESE SERVICES SPANTHE ENTIRETY OF THE HOUSING SPECTRUM, INCLUDING FORECLOSURE AND EVICTION PREVENTION, TENANCY PREPARATION, AND PRE-PURCHASECOUNSELING. CLARIFI'S HUD-CERTIFIED HOUSING COUNSELORS UTILIZE A CASE-MANAGEMENT MODEL TO HELP THEIR CLIENTS ACHIEVE THEIR HOUSINGGOALS. DURING INITIAL APPOINTMENTS, COUNSELORS WORK WITH THEIR CLIENTS TO COMPLETE AN INCOME/EXPENSE ANALYSIS, IDENTIFY HOUSINGGOALS, AND DEVELOP A WRITTEN ACTION PLAN FOR ACHIEVING SAID GOALS. COUNSELORS ALSO FOLLOW UP WITH CLIENTS AT 30, 60, AND 90 DAYS POST-APPOINTMENT TO CHECK IN ON PROGRESS, RECORD OUTCOMES, CONNECT THE CLIENT WITH ADDITIONAL RESOURCES, AND SCHEDULE FURTHERAPPOINTMENTS. RENTAL COUNSELING SERVICES INCLUDE EVICTION PREVENTION THROUGH LANDLORD/TENANT MEDIATION, LEASING EDUCATION,LANDLORD ADVOCACY (BASED IN SAFE, WARM, DRY STANDARDS), AND LEASING PREPARATION (SAVING FOR DEPOSITS, CREDIT COUNSELING, ETC.)FORECLOSURE PREVENTION SERVICES INCLUDE MORTGAGE DELINQUENCY NEGOTIATION, FORECLOSURE CONCILIATION, EMERGENCY ASSISTANCEAPPLICATIONS, AND COURT-BASED ADVOCACY IN PHILADELPHIA, MONTGOMERY AND DELAWARE COUNTIES, NEW JERSEY, AND DELAWARE. PRE-PURCHASESERVICES INCLUDE PURCHASE PLANNING AND EDUCATION, PURCHASE GUIDANCE, AND HOMEBUYER GRANT APPLICATION ASSISTANCE. IN 2024, CLARIFIPROVIDED 1,168 HOUSING COUNSELING SESSIONS TO 1,051 UNIQUE CLIENTS. OF OUR HOUSING CLIENTS, 31 PURCHASED A HOME, 84 PREVENTED ANEVICTION, AND 156 REPORTED AVOIDING FORECLOSURE OR WERE IN THEIR HOMES WORKING TOWARD A SOLUTION AS OF 12/31/24.