Preparing for a Session

When preparing for a session, it is important to bring copies of all of the necessary paperwork so that our Counselors can get a complete overview of your finances.

Please select your counseling type to view a list of all necessary documents.

When visiting the office, we ask that you arrive 15 minutes prior to your appointment time to allow for the completion of any additional paperwork.

Our agency is committed to helping you with your financial circumstances and we appreciate your commitment to keeping your appointment.

If you need to re-schedule your appointment, or have any questions about your upcoming session, please call 1-800-989-2227.

Special Needs

If you require a session conducted in a language other than English, we have Counselors available who speak Spanish and Cantonese and Mandarin.

Arrangements can be made to accommodate our Hearing Impaired Clients.

Payment Options

There is a fee associated with certain counseling types, however they can be waived on the basis of income. If you feel that you may be eligible for a fee waiver, please call a Clarifi representative to discuss the requirements.

Payment is accepted in the form of Money Order, Certified Check or online through Vanco with a with a debit card. For limited counseling types, you may pay by phone using your credit card. Our Center City Office accepts debit payments during regular business hours.

Budget & Credit

For your Budgeting Counseling Session please be sure to bring the following items with you, and complete all forms prior to your appointment.

  1. Proof of income
  2. List of monthly expenses
  3. Credit card statements

Completed Forms: Monthly Budget, Income, and Personal Balance Worksheets

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Bankruptcy

For your Pre-Filing Bankruptcy Counseling Session please be sure to bring the following items with you, and complete all forms prior to your appointment.

  1. Recent payroll stubs from both spouses to cover one month’s earnings
  2. All current credit card account statements or bills*
  3. Please bring Photo ID

Completed Forms: Monthly Budget, Income, and Personal Balance Worksheets

*Please note that all statements must be dated within the last 30 days and should be the complete statement, including the tear off portion that is sent into the creditor along with the payment.

There is a $50 fee for this session.

If you are also experiencing Housing problems which may be prompting you to file for Bankruptcy, please bring the following:

  1. Bring a copy of the deed to the property
  2. Letters or notices of mortgage default and all paperwork from the settlement on the mortgage loan that is in default
  3. For a Rental property, bring a copy of the lease agreement
  4. Federal Housing Authority Identification Number (if applicable)
  5. Copy of 3 months of bank statements
  6. Copy of 3 years of income tax returns
  7. Copy of 3 months of utility bills

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Credit Report

For your Credit Report Counseling Session please be sure to bring the following items with you, and complete all forms prior to your appointment.

  1. Paystubs or Proof of Income from both Spouses
  2. Most recent Credit Card, Loan and Bank Statements
  3. Monthly Expenses (Bills, Statements, etc.)
  4. Please bring Photo ID

There is a $65 fee for individual credit report and $75 for joint report.*

If you have a certificate for a free credit report counseling session, please be sure to bring it with you to the session.

*You may be eligible for a fee waver, please ask when you come in to the office.

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Debt Management

For your Debt Repayment Counseling Session please be sure to bring the following items with you, and complete all forms prior to your appointment.

  1. 3 Months of recent Credit Card, Loan and Bank Statements
  2. If you do not have 3 months, bring your most recent statement
  3. Recent payroll stubs from both spouses
  4. Please bring Photo ID

Completed Forms: Monthly Budget, Income, and Personal Balance Worksheets

If you are coming in for your Debt Management Plan Exit Appointment, please bring the following items:

  1. Please complete the Monthly Budget, Income, and Personal Balance Worksheets.
  2. Please bring Photo ID

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Reverse Mortgage

For your Reverse Mortgage Counseling Session please be sure to bring the following items with you, and complete all forms prior to your appointment.

  1. Information for your current Mortgage Company
  2. Most recent Credit Card, Loan and Bank Statements
  3. Proof of Income
  4. Please bring Photo ID

Completed Forms: Monthly Budget, Income, and Personal Balance Worksheets

There is a $125 fee for this counseling session.

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Home Equity

For your Home Equity Counseling Session please be sure to bring the following items with you, and complete all forms prior to your appointment.

  1. Most recent Credit Card, Loan and Bank Statements
  2. Proof of Income (1 months Pay Stubs)
  3. Any Document from your Mortgage Company if available
  4. If you have an FHA loan the FHA number is required for the counseling session
  5. Please bring Photo ID

Completed Forms: Monthly Budget, Income, and Personal Balance Worksheets

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Pre-Purchase Housing

For your Housing Counseling Session please be sure to bring the following items with you, and complete all forms prior to your appointment.

  1. Most recent Credit Card, Loan and Bank Statements
  2. Recent payroll stubs and verification of any other forms of income to cover one months earnings
  3. Sales agreement if available
  4. Good Faith estimate of closing costs
  5. Please bring Photo ID

Completed Forms: Monthly Budget, Income, and Personal Balance Worksheets

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Housing Delinquency or Default

For your Housing Delinquency Counseling Session please be sure to bring the following items with you, and complete all forms prior to your appointment.

  1. A letter in your own words explaining why the mortgage is delinquent and how you have overcome the circumstances
  2. A copy of the Civil Foreclosure Complaint, Sheriff Sale Notice, and Court Date if applicable
  3. A copy of the Deed to the subject property
  4. A copy of your most recent Federal Tax Return, including Schedule A
  5. Most recent Credit Card, Loan and Bank Statements
  6. Recent Utility Bills
  7. Recent Pay Stubs (1-2 months)
  8. Copy of the most recent Real Estate bill if not escrowed
  9. Proof of Homeowners Insurance, if not escrowed with the mortgage company
  10. Verification of stocks, bonds, vested interest in retirement funds (401K, IRA’s)
  11. Mortgage payment book or recent statement for all mortgages on the property.
  12. Verification of any other income - Unemployment, Workmen’s Comp., Child Support, DPW, Social Security, etc.
  13. Social Security numbers for all people on the mortgage(s)
  14. If you have an FHA loan, the FHA number is required for the counseling session
  15. Please bring Photo ID

Completed Forms: Monthly Budget, Income, and Personal Balance Worksheets

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