BLACK HILLS CHILDREN'S RANCH INC

BLACK HILLS CHILDREN'S RANCH, INC D/B/A PIONEER CREDIT COUNSELING OFFERS SEVERAL OPTIONS TO CONSUMERS SEEKING HELP IN FINANCIAL EDUCATION, BUDGETING AND DEBT MANAGEMENT. A CONSUMER WILL INITIALLY VISIT WITH ONE OF OUR CERTIFIED CREDIT COUNSELORS (CERTIFIED THROUGH THE GUIDELINES OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING (NFCC) AND THE FINANCIAL COUNSELING ASSOCIATION OF AMERICA (FCAA)) TO DISCUSS THE GOALS OF THE CONSUMER. IF THEY ARE PRIMARILY SEEKING ASSISTANCE IN ESTABLISHING A MONTHLY BUDGET OR REVIEWING THEIR FINANCIAL SITUATION, THIS WILL BE DONE AT NO CHARGE TO THE CONSUMER AND CAN BE COMPLETED WITHIN AN HOUR OR TWO WHETHER FACE TO FACE OR BY PHONE DEPENDING ON THE CONSUMERS FINANCIAL SITUATION. WE ALSO PROVIDE CONSUMERS ON A DAILY BASIS WITH HOUSING COUNSELING (AT NO COST), REVERSE MORTGAGE (HECM) COUNSELING, STUDENT LOAN COUNSELING, PREBANKRUPTCY COUNSELING AND POST-BANKRUPTCY EDUCATION. THERE ARE SOME INSTANCES IN WHICH AFTER THEIR INITIAL CONSULTATION, THE CONSUMER DETERMINES THAT THEY WOULD LIKE OR NEED FURTHER ASSISTANCE IN REDUCING PAYMENTS TO UNSECURED CREDITORS OR DUE TO THEIR BUDGET NOT BEING WITHIN THEIR MEANS. IN SUCH SITUATIONS A CERTIFIED CREDIT COUNSELOR MAY RECOMMEND ENROLLMENT IN OUR DEBT MANAGEMENT PROGRAM AS A MEANS OF ADDITIONAL ASSISTANCE AND ONGOING COUNSELING. WE PROVIDE A WIDE RANGE OF INFORMATION THROUGH OUR STATE OF THE ART WEB-SITE 24/7, WHICH HAS ACCOUNT INFORMATION FOR THOSE THAT HAVE ENROLLED ON OUR DEBT MANAGEMENT PROGRAM IN ADDITION TO BEING AVAILABLE BY PHONE MONDAY-FRIDAY, 7:00 A.M. TO 7:00 PM AND SATURDAYS BY APPOINTMENT. BHCR D/B/A PIONEER CREDIT COUNSELING IS A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING AND ALSO A REGISTERED AGENCY THROUGH BUREAU VERITAS CERTIFICATION AND OPERATES A QUALITY MANAGEMENT SYSTEM IN COMPLIANCE WITH THE REQUIREMENTS OF THE INTERNATIONAL STANDARDS ORGANIATION 9001-2015 AND THE FCAA CODE OF PRACTICE, AS WELL AS A PARTICIPANT OF THE BETTER BUSINESS BUREAU CARE PROGRAM. BLACK HILLS CHILDREN'S RANCH, INC. D/B/A PIONEER CREDIT COUNSELING HAS HAD OVER 8,500 COUNSELING SESSIONS IN THE YEAR OF 2024 ALONE WITH AN ESTIMATED 700 OF THOSE CONSUMERS DETERMINING THEIR NEEDS TO ENROLL IN OUR DEBT MANAGEMENT PROGRAM. MANY OF OUR COUNSELING AND EDUCATIONAL SESSIONS ARE PROVIDED AT NO CHARGE TO THE PUBLIC. BLACK HILLS CHILDREN'S RANCH, INC. D/B/A PIONEER CREDIT COUNSELING PROVIDES ANYONE THAT IS IN NEED OF OUR EDUCATION PROGRAMS AND SERVICES, REGARDLESS OF THEIR ABILITY TO PAY. OUR LATEST EDUCATION PROGRAM, A NEW DAY, IS AVAILABLE 24 /7 AND IN 2024 THERE WERE OVER 6,000 CONSUMERS WHICH COMPLETED OUR COURSE. IN THE YEAR 2024, THE NUMBER OF ENROLLEES FOR THE SIMPLIFIED GUIDE TO FINANCIAL LIFE SKILLS WERE OVER 8,500. THIS WORKBOOK COVERS BASIC MONEY MANAGEMENT AND FINANCIAL LIFE SKILLS. CHAPTERS AS FOLLOWS: PRETEST (THIS HELPS MEASURE THE FINANCIAL LITERACY OF EACH INDIVIDUAL) CHAPTER 1 IDENTIFYING DEBT WARNING SIGNS CHAPTER 2 - SETTING UP A FAMILY BUDGET CHAPTER 3 TIPS FOR MAKING A BUDGET CHAPTER 4 SHOPPING GUIDE, BUDGET HELP CHAPTER 5 MONEY MANAGEMENT HELP CHAPTER 6 CONQUERING YOUR FINANCIAL STRESS CHAPTER 7 TIPS FOR DEALING WITH YOUR CREDITORS & PLANNING, PREPARING AND MANAGING YOUR FINANCIAL FUTURE FINAL TEST (SUBMITTED TO PIONEER CREDIT COUNSELING FOR GRADING AND RECORDING THE MEASUREMENT OF THEIR SUCCESS.) GLOSSARY / APPENDIX (THIS INCLUDES TERMS WHICH APPEAR ON CREDITOR STATEMENTS AND CREDIT REPORT TO ENHANCE THE CONSUMERS FINANCIAL LITERACY.) OF THOSE COMPLETING THE COURSE WITH A PASSING GRADE ON THE FINAL TEST, GRADUATED AND RECEIVED A GRADUATION CERTIFICATE.