2010 Community Report
Alfredo Mercado Budget and Credit Counselor
Our Services 3
Financial Literacy Education
4
Debt Management Plans
6
Housing Counseling
8
Budget and Credit Counseling
Bankruptcy Counseling and Education 11
10
Stewardship and Financial Impact 14 2010 Donors 16 Capacity-Building Campaign 18 Board of Directors 21
www.CredAbility.org
Welcome to CredAbility! A new phase of our journey began in 2010, as Consumer Credit Counseling Service of Greater Atlanta became CredAbility. In a year when the recession took a heavy toll on the individuals and families we serve, I am proud that we had the courage to reimagine ourselves as CredAbility— a national source for innovative, holistic and compassionate programs for hundreds of thousands of people facing financial challenges. This was a year of great uncertainty. Unemployment continued to take a heavy toll on families, with 70% of our foreclosure prevention clients citing unemployment or underemployment as the source of their housing crisis. Across the country, consumer distress continued to be acute, as net worth sank despite a higher savings rate and more judicious use of credit by many households. Going forward, CredAbility is determined to play a key role in helping families rebuild their financial lives. Our agency continues to grow stronger, building on more than 45 years of service to the community. More than ever, we have the ability to make a difference.
Suzanne Boas President
The Ability to Reach More People In Need Since 1964, we have worked diligently to expand
In late May of 2010, we adopted a new national
the ways and places that people can access our
identity for our agency—CredAbility. This dis-
services, innovating and responding with edu-
tinctive new name makes it easier for people
cation and counseling programs that meet the
to find us and the unique quality of service
changing needs and preferences of our clients.
that we provide. The name CredAbility speaks
Over the years, as technology removed barriers of time and place, we responded, offering services by telephone and Internet. We began serving clients from coast to coast, and beyond. We
directly to our mission, giving people the ability to overcome financial challenges and providing them with the education—and the inspiration— to achieve lasting financial wellness.
expanded our services so that people in need
In conjunction with changing our name, we
could reach us 24 hours a day. And we became
launched a bilingual website—CredAbility.org—
a fully bilingual agency, providing all of our
that personalizes our online experience, reflecting
counseling and education services in English
the same emphasis on quality and compassion
and Spanish.
that characterizes the services we deliver in
Yet, in spite of these advancements, the greatest barrier remained—the barrier of confusion. Individuals seeking our proven services found it increasingly difficult to identify us, with confidence, amid a plethora of similarly named organizations.
person and by telephone. The new website is easy to navigate and use, featuring online education and counseling, a secure client account area, abundant tools and resources, and live chat support. Today, for individuals and families in financial distress, and for those seeking education to improve their financial well-being, there is help and there is hope, with CredAbility.
Our Mission—We guide individuals and families from all walks of life in resolving their financial challenges, and inspire and equip people to achieve lasting financial wellness.
2 2010 Community Report
Our Services The reasons people experience financial distress are varied, but their motivations for seeking help are clear: they are looking for someone who will listen without judging, who will offer confidential, practical and proven guidance to address the immediate situation, and who will provide education and resources to prepare them for lasting financial wellness. And that’s why, each year, well over a million people reach out to CredAbility for compassionate care, sensible solutions, and hope for a better future. Every client is unique. But when viewed as a group, this is the composite profile they present:
Gross income $45,951 Unsecured debt $28,064 Number of creditors 5.5 Credit Score 556 Age 48 Female 55% Married 54% Homeowner 71% Number in household 3 Caucasian 56% Hispanic 19% African-American 18%
3
Financial Literacy Education—Education forms the foundation of all our service offerings, whether taken through online or classroom instruction, or delivered as part of a comprehensive counseling session. In 2010, through community outreach, empowerment workshops, sponsored programs and online classroom delivery, we provided financial education to nearly 82,000 individuals.
The Ability to Conquer Homelessness For many who served our country in the military,
“This program was very beneficial,” says Derrick Moore,
readjusting to civilian life is tough. Sadly, some fall
a V.A.-licensed clinical social worker who also provided
victim to problems, including substance abuse and
individualized counseling to the veterans. “Prior to
homelessness. Last May, our agency began a program
living at the shelter, many clients did not utilize budgets
for homeless veterans in Jackson, Mississippi, who
or other financial tools. The curriculum allowed clients
were temporarily residing in the Isaiah House, a
to re-learn personal finance behaviors, which is an
transitional facility that is part of the G.V. (Sonny)
important step toward achieving and maintaining
Montgomery Department of Veterans Affairs Medical
permanent housing.”
Center. Participants were struggling with chronic homelessness, many having lived one year or longer without shelter. CredAbility educators conducted the “Transitioning
With program funding provided by the U.S. Department of Housing and Urban Development, CredAbility will continue to work with veterans from the Isaiah House, as well as other people in need of these critical services.
to Financial Stability” program for more than 160 veterans. The curriculum focuses on setting financial goals, creating and adhering to a monthly budget, understanding credit reports and checking accounts, as well as building a support system to help participants achieve financial stability, with the long-term goal of attaining permanent housing.
CredAbility delivers community-based financial education programs to homeless veterans, women’s shelters and transitional housing facilities, supporting people on their journey back to financial stability.
www.CredAbility.org
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800.251.2227
5
Debt Management Plans (DMP)—When unsecured debt becomes overwhelming, CredAbility works with clients and their creditors to develop a systematic and affordable repayment plan. For many, this is a welcome alternative to bankruptcy. Last year, nearly 28,000 people took advantage of this program and, with our assistance, were able to repay $122 million of their obligations.
The Ability to Swim Out of the Deep End Courtney and Michael St. John-Wacker’s children
The couple decided they needed help from experts
excelled at swimming. Like many parents, the couple
and called CredAbility in 2005. After speaking with a
provided them with their full support, no matter
counselor, they decided to enroll in a Debt Management
the cost.
Plan (DMP).
For several years, they traveled to swim meets through-
At their counselor’s recommendation, Michael and
out the Southeast, charging expenses for hotels, meals
Courtney worked on curbing their expenses, separating
and gasoline. They purchased new computers for the
“needs” from “wants.” They also took steps to increase
family and spent generously on presents for their chil-
their income. Courtney, a teacher, earned an advanced
dren during the Christmas holidays. Their credit card
degree in Education and has been promoted three
debt skyrocketed to more than $80,000.
times in the past few years.
“We simply spent too much money on items we thought
These changes have paid off. In August 2010, after
that we would pay off later,” Courtney says. “We tried
five and a half years of making monthly payments, the
to tackle the debt ourselves, but after three years, we
couple eliminated a total of $83,000 in credit card
weren’t getting anywhere.”
debt. “We do have one credit card now, and we are very careful how we use it. We never want to get in a financial mess again,” says Courtney. “After spending money for so many years because we thought it was the right thing to do, it was hard to change our behavior. But, if we can pay off more than $80,000 in debt with a child in college, anyone can do it.”
Courtney and Michael St. John-Wacker Lawrenceville, Georgia
6 2010 Community Report
Housing Counseling—As the national housing crisis dragged on, CredAbility responded with proven solutions, helping more than 100,000 people take action to avoid foreclosure. CredAbility facilitates connections between homeowners and lenders, and educates clients about their options. Other housing services include pre-purchase counseling, post-purchase education, and reverse mortgage counseling.
The Ability to Sleep at Night When Devronda and Len Ambrose of Pomona, New York,
But Kim realized that the mortgage company may not
called CredAbility in September 2010, their home
have known that Devronda started a new job in June.
was already scheduled for foreclosure. After missing
“When Mrs. Ambrose got her new job, there was a
12 months of mortgage payments, their application for
much better chance of qualifying for a loan modifica-
a loan modification was denied.
tion, and we knew we could get their request reviewed
They worked with CredAbility Housing Counselor Kim
quickly by using HOPE Loan Port,” she said.
Cox-Owens, who believed that Len and Devronda were
Kim was right. The Ambroses received a trial loan
good candidates for a loan modification. She also felt
modification in December 2010 and began making their
she could expedite the application process by using a
monthly mortgage payments under the trial plan. They
new document collection system called the HOPE Loan
were on their way to saving their home and, for a
Port. The new system allows CredAbility to submit
change, were able to sleep at night.
documents directly to key personnel at many of the country’s leading mortgage companies. In this case, Kim submitted the documents and requested a trial loan modification. The Ambroses were skeptical that CredAbility could help, but they remained hopeful. “We didn’t understand what CredAbility could possibly do for us,” said Devronda. “We had been working with our lender for months and had just been denied.”
Devronda and Len Ambrose Pomona, New York
www.CredAbility.org
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800.251.2227
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Budget and Credit Counseling—In a year that challenged many of us to do more with less, we provided free, personalized counseling to more than 47,000 people. Each session included an assessment of the household’s financial situation, and—as appropriate—guidance in developing and balancing budgets, managing money, using credit wisely, controlling debt and building a savings plan.
The Ability to Start Something Good “America is a melting pot of cultures,” says Alfredo
fortunate to have accomplished certain goals in my
Mercado, bilingual budget and credit counselor for
life, and I feel a sense of responsibility to teach the
CredAbility. “And we all share the same dream of being
things I’ve learned to others.”
financially stable.”
Each day, Alfredo works with families and individuals
As an immigrant from Colombia, Alfredo understands
experiencing financial hardships due to unemployment,
dreams and aspirations. “I arrived 11 years ago with
medical emergencies, divorce and other setbacks. He
only hopes and dreams in my pocket,” he said. “I feel
counsels people from all economic backgrounds and circumstances in English and Spanish. “I try to help each of my clients reach their potential and encourage them to work with others to improve their lives,” he said. “I tell them to never give up. Conquering a financial hardship is not easy, but success is possible.” Alfredo hopes that his clients will use their counseling sessions as stepping stones to a better future. “My job is so rewarding,” he said. “I love it when someone asks me how much he owes for my advice, and I reply, ‘A simple thanks will do.’ My hope is that counseling is the start of something good for my clients, that they take our information and use it every day. I’d like the financial solutions we offer to last a lifetime.” Alfredo Mercado Budget and Credit Counselor
10 2010 Community Report
Bankruptcy Counseling and Education—As economic turmoil swept our nation, 287,000 people chose CredAbility to provide mandatory pre-filing counseling and/or pre-discharge education. Our programs educate clients so they can make informed choices about how to solve their financial problems, and for those who file for bankruptcy, provide a clear plan toward a more successful future.
The Ability to Inspire Hope When counselor Akilah Minor talks with people who
Most rewarding for Akilah is when clients reach what
are considering filing bankruptcy, they often have hit
she calls the “aha!” moment—“when all the information
bottom. These can be difficult phone calls.
comes together and they begin to tell me about other
“I talked to one client who was rude and bitter,” Akilah says. “She was uncooperative, and it was hard to move through the session. She began to cry and told me she was upset because she recently had lost her job and experienced medical hardships, and did not mean to
things they can do to reach their goals,” she says. “I feel good knowing I am helping people see even the smallest glimmer of light at the end of a dark tunnel, encouraging them that dreams and goals can still be pursued and achieved.”
lash out at me.” “I understand that this is a very difficult and emotional situation. I always take time to truly listen. Then, I am able to provide relevant information to help my clients move to the next stage of their life.” Akilah had a background in mortgage processing before joining CredAbility in 2008. “It is my job to encourage people and let them know that changing their financial habits now will benefit them in the long run.”
Akilah Minor Bankruptcy Counselor
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800.251.2227
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“Quisiera expresarles mi más sincero agradec-
The Accent is On Caring
imiento a los asesores con los que trabajé en las últimas tres semanas. Todos ellos para tomaron tiempo para escucharme y ayudarme con mis necesidades financieras, y trabajaron
Our transformation into a fully bilingual (English and Spanish) service provider was given tremendous momentum in 2009 by a generous multi-year grant from the Goizueta Foundation, and driven by the talent
conmigo para desarrollar un plan para pagar
and passion of critical program leaders selected for
mis deudas lo más pronto posible. Su profe-
this initiative.
sionalismo y apoyo moral me ayudaron,
In 2010, CredAbility achieved a milestone—more than
en quizás, uno de los momentos más difíciles
100 bilingual employees on staff. Dedicated counselors
de mi vida. El trabajo que ustedes hacen es
and client service representatives allowed us to serve
realmente loable. Gracias.”
more than 41,000 individuals and families with counsel–Cesar D.
Cliente de asesoría en crédito y presupuesto
ing and education in Spanish. Reflecting the diversity of the communities we serve, our staff represents 15 different Spanish-speaking countries of origin.
“I would like to express my sincere gratitude to the counselors I spoke with during the past three weeks. They all took the time to listen and provided help with my financial needs, while working with me to develop a plan to repay my debts as quickly as possible. Their professionalism and moral support helped me in perhaps the most difficult time of my life. The work you do is truly commendable. Thank you.”
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Looking at the Big Picture CredAbility has a long-standing commitment to research.
Drawing on data from government and private sources,
We believe we are able to design more effective pro-
the Index uses a proprietary methodology, supplemented
grams when we understand the financial challenges
by data and insights from CredAbility’s own research
facing our clients and the public at large.
and analysis. The Index gives us a long-term view of the trends affecting consumers across the country,
In 2010, we introduced the CredAbility Consumer
allowing us to provide better services in good times
Distress Index, a quarterly measure of the financial
and bad. To see the latest version of the CredAbility
condition of the average American consumer. The Index
Consumer Distress Index, please visit our website.
measures five factors that contribute to a secure, stable financial life: employment, housing, credit, household budget and net worth.
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www.CredAbility.org
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800.251.2227
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Every day our counselors encourage clients to
Revenue: $48,188,334
live within their means. As an agency, we have a responsibility to follow our own sound advice. To that end, we successfully controlled our costs in 2010, ending the year with a modest revenue surplus, no debt, and sufficient operating reserves in place. As a 501(c)3 nonprofit agency, we are responsible for using our contributed and earned revenues efficiently. In 2010, 87.9% of expenses were dedicated to our programs, with 9.7%
Service Contracts and Fee-for-Service Programs‑Partnerships that reimburse the agency on a per-session basis for counseling sessions, primarily for housing services ($11.4M) Government Grants—support from state and local governments, plus federal funding from the U.S. Dept. of Housing and Urban Development and the National Foreclosure Mitigation Counseling program ($9.6M) Foundations, Corporations, United Way and Individual Giving—Philanthropic support from national and local community sources, individuals and special events ($4.7M)
supporting general management and administration and 2.4% utilized for fundraising expenses. One standard measure of effective nonprofits, fundraising efficiency, calculates the expenditure required to raise $1 in charitable contributions. In 2010, CredAbility’s fundraising was very efficient, with only eight cents in costs
In-Kind Support and Other Income— Donated services and advertising contributed to support our mission, as well as interest earned on invested funds ($2.3M)
Debt Management Plan (DMP) Creditor Contributions—Funds received from creditors to offset expenses associated with management of trust account services ($4.8M)
for every dollar raised.
Debt Management Plan (DMP) Services— Fees paid by clients for set-up and administration of trust accounts and disbursements to creditors ($5.7M) Copies of Form 990 and audited financial statement are available upon request Bankruptcy Counseling and Education— Fees paid by clients for federally mandated programs for individuals considering bankruptcy. ($9.8M)
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Stewardship and Financial Impact
20% 24% 10% Expenses: $47,684,886
4%
$50M
20%
10%
87.9%
$40M
12% $30M
$20M
$10M
2.4%
9.7%
Fundraising
Management
$1.1M
$4.6M
Program Services
www.CredAbility.org
$41.9M
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800.251.2227
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CredAbility relies on the support of donors to continue offering high-quality financial education and counseling programs to people in need. Whether funding general operating support for our national services or contributing to programs designed to help financially vulnerable people in local communities, philanthropic giving is crucial to our mission. The following generously supported our mission in 2010:
The Ability to Change Lives Benefactor $1 Million or More Citi Cards Equifax # Freddie Mac Homeownership Preservation Foundation MP National Foreclosure Mitigation Counseling Program MP United States Department of Housing and Urban Development Legacy $100,000 to $499,999 Bank of America MP CBS Outdoor # Citi Foundation MP City of Orlando MP The Collins Center for Public Policy Georgia Department of Labor Goizueta Foundation * Heart of Florida United Way * SunTrust Bank Third Federal Savings & Loan Wells Fargo MP Investor $50,000 to $99,999 Microsoft Corporation # Pasco County Government * Sarasota County Government United Way of Lee, Hendry and Glades Counties The Wachovia Wells Fargo Foundation MP
For a complete list of donors, please visit www.CredAbility.org
# In-kind donation
*
MP
Multi-year donation Multiple programs
16 2010 Community Report
Director $25,000 to $49,999 Bryan Cave LLP # City of Atlanta Fulton County Health and Human Services Department Georgia Power MP The Homer Fund JD French & Associates # The Nugent Group # Orange County Housing & Community Development * Palm Beach County HCD Commission on Affordable Housing PNC Foundation * United Way of Palm Beach County Developer $10,000 to $24,999 Atlanta Gas Light/ AGL Resources Foundation MP The Atlanta Women’s Foundation City of West Palm Beach MP The Coca-Cola Foundation CredAbility Cares Staff Campaign Disney Life Care Gas South Hernando County Board of County Commissioners Lamar Advertising # Lee County Department of Human Services Tennessee Housing Development Agency Town of Palm Beach United Way United Way of Pasco County, Inc. United Way of Tampa Bay United Way of the Capital Area United Way of Volusia WLBT #
2010 Donors
Advocate $5,000 to $9,999 Affairs to Remember #
Orange Appeal #
Research in Motion #
Toshiba Business Solutions #
BankPlus
United Way of the Big Bend
Sarasota Coastal Credit Union * SouthFloridaDines.com #
Clear Channel Radio #
State Farm * #
The Coca-Cola Company Family
Builder $1,000 to $2,499
Akerman Senterfitt
Tax & Accounting Solutions, Inc. True Oldies 106.7 #
Community Foundation of Sarasota
Anonymous
Trustmark National Bank
County—George & Alice Pugh Fund Eliud Braeboy #
Atlanta Daybook #
Tupperware Brands Corporation
Dorothy Bradshaw #
TurnerBoone
Fifth Third Bank
Cbeyond
King & Spalding
VanRan Communications Services Viacom #
Orlando Federal Credit Union *
Clarion Ledger Newspaper # Michele DeLong * #
Rich Cannon and Annette Milkon
Delta Airlines
St. Lucie County Lending Consortium
Delta Community Credit Union
Creditor Contributions
United Way of Lake & Sumter Counties
These financial institutions supported
United Way of Loudon County
Entergy Charitable Foundation Event Envy #
Wachovia, A Wells Fargo Company
Linda Farley #
contributions of $30,000 or more:
Federal Credit Union
WineStyles Cascade #
our debt management work with
Florida Hospital Advisor $2,500 to $4,999 The Atlanta Tribune #
Florida Power and Light Company
Central Florida Educator’s Credit Union*
French’s Mechanical Hal and Mal’s #
City of Port St. Lucie
Jesselli Couture #
Comerica Bank
Johnson Marketing
Community Based Care of Seminole, Inc Dior Cosmetics at Saks Fifth Avenue #
Glasser/Schoenbaum Human Services Center #
Lamn, Krielow, Dytrych & Co., CPA * # Becky Macaluso #
Insight Credit Union
Money Talks News * # Multi-Tasking Woman #
Merrill G. and Emita E.
Natural Body Spa and Shop #
OptumHealth
Hastings Foundation
Mississippi Home Corporation Mundo Hispanico #
Orlando Health Ovations Catering # PJ Callahan Foundation
American Express Bank of America Capital One Corporation Cardworks (Cardholder
Communications, Inc. Kicks 101.5 #
McCoy Federal Credit Union *
Alliance Data Systems (WFNNB)
Management Services)
Compucredit Corporation Discover Financial Services GE Money Bank HSBC JP Morgan Chase Kohl’s State Farm Bank Target Corporation US Bank Wells Fargo & Company
www.CredAbility.org
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800.251.2227
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The Ability to Make a Lasting Difference In 2010, CredAbility completed its first large-scale fundraising campaign, raising more than $10 million in three years. The goals of the campaign were to increase our capacity to provide housing counseling services by hiring more counselors and building a facility to house them, strengthen our technology infrastructure, and create a new agency headquarters for support and service personnel. Major accomplishments made possible by the campaign include: • Quadrupling the number of housing counseling sessions from 2007 to 2010 • E xpanding services to Spanish-speaking clients • Helping an estimated 200,000 families and individuals avoid foreclosure from 2008 to 2010 • Using technology to streamline the mortgage workout process for distressed homeowners • Opening a new counseling center and agency headquarters • Transforming our technology infrastructure to make business operations more secure, our staff more productive and our services more accessible for clients
Our agency’s new headquarters is located in the 270 Peachtree Street building in downtown Atlanta
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Capacity-Building Campaign Supporters More than $1,000,000 The Ford Foundation Robert W. Woodruff Foundation National Foreclosure Mitigation Counseling Funding $500,000 -$999,000 Fannie Mae Office of Charitable and Community Giving Bank of America Charitable Foundation $200,000-$499,000 The Goizueta Foundation F.B. Heron Foundation Freddie Mac Wells Fargo Housing Foundation The Wachovia Foundation $100,000-$199,000 Anonymous The Coca-Cola Company A Friend of Consumer Credit Counseling Service Surdna Foundation David, Helen and Marian Woodward Fund SunTrust Foundation $50,000-$99,000 Barnes Law Group Citi Foundation The Wilbur and Hilda Glenn Family Foundation Home Depot Foundation Regions Bank Sartain Lanier Family Foundation Tull Charitable Foundation United Way of Metropolitan Atlanta $25,000-$49,000 Atlanta Foundation AGL Resources Private Foundation Glenn and Sherri Austin Suzanne and Rob Boas
Mary Allen Lindsey Branan Foundation The Carefree Fund of the Community Foundation for Greater Atlanta Fannie Mae Foundation The J.B. Fuqua Foundation Georgia Power Foundation John H. and Wilhelmina D. Harland Charitable Foundation Ida Alice Ryan Charitable Trust $5,000-$24,000 Mark and Bobbi Cole Deloitte Ernst & Young Home Depot Foundation in honor of Scott Bohrer Doug and Ann Jones Jay Levin Joe and Lee Oesterling PricewaterhouseCoopers Mike and Tiffany Siegel $1,000-$4,999 Frank and Joan Alexander
Laura Louthan
Daru Burdge
Carlos and Rosita Mata
William and Jessica Cecere
Alec and Bobbie McCrackin
Randy Davis
Sandra S. and Peter J. Morelli
Rob and Wendy Eison
Michele Pearce
Douglas D. Erickson
Ralph and Julia Perales
Sheri Foster
Rick Phillips
Joe and Martha Griffin
John M. Pruitt
Dorris Shelton Gulley
Sherry M. Rainey
Cathy and Larry Hilton
David and Hedy Rubinger
Larry Hoskins
Tracy Ryan
Michelle S. Jones
Dave and Beckie Smith
Corey and Lisa Keyes
Tony and Uttarra Spinelli
Kristin Kirkconnell
Belinda Stubblefield
Loren and Laurie Kranz
Daniel Thompson
www.CredAbility.org
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800.251.2227
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The Ability to Serve Our Neighbors CredAbility is a family of Consumer Credit
Our regional leaders reinforce this commitment
Counseling Service (CCCS) agencies, including:
by working with community and business leaders,
• CCCS of Greater Atlanta
along with other service organizations, to
• CCCS of Central Florida and the
address the unique needs of each community, providing help and hope to families and indi-
Florida Gulf Coast • CCCS of Jackson (Mississippi) • CCCS of East Tennessee
viduals across the Southeast.
Compass of Carolina Joins CredAbility
• CCCS of Palm Beach County and the Treasure Coast of Florida • CCCS of Upstate South Carolina
On November 1, 2010, the Consumer Credit Counseling Service operations of Compass of Carolina joined our agency. As a result,
While CredAbility has grown over the years
CredAbility now helps clients in Upstate South
from a local grassroots agency to a national
Carolina by offering in-person services in
organization, the life-changing work we perform
three locations: Greenville, Spartanburg and
every day begins in the regional communities
Greenwood. These offices allow us to reach
we serve. We are committed to helping our
approximately 700,000 city and rural residents,
neighbors in Georgia, Florida, Mississippi,
while expanding our agency’s footprint to five
Tennessee, and South Carolina achieve financial
states across the Southeast.
stability through face-to-face counseling, inperson education seminars and local community outreach programs.
“I just got the most fantastic news. My bank approved my mortgage modification, now I can keep my home.” —Jennifer S., Foreclosure Prevention Counseling Client
20 2010 Community Report
2010 Board of Directors “The only certainty in the current economic climate is change. CredAbility has shown an incredible facility to continuously adapt in order to provide the most relevant and effective services for our clients. I believe the strength and depth of our senior leadership team, board of directors and staff will allow the agency to meet our client’s needs with innovative programs for many years to come.” – Belinda Stubblefield, Board Chair
EXECUTIVE COMMITTEE
chair
MEMBERS
Frank S. Alexander
Kena Lewis
Paradies—Atlanta
Emory University School of Law
Orlando Health
vice-chair
Keith Browning
Morris W. Macey
Sparks Grove Inc.
Macey and Wilensky
Belinda Stubblefield
Joe Oesterling Cbeyond
Rob Eison
Sandra S. Morelli
secretary
AT&T
Capital Guardian Trust Company
SunTrust Bank
Joe Griffin
Ralph Perales
PricewaterhouseCoopers, LLP
Perales & Fernandez LLP
Esther Hammond
Maritza Pichon
John Pruitt treasurer
Scott Bohrer The Home Depot
immediate past chair
David Rubinger
Rubinger Communications Solutions
Glenn T. Austin, Jr. Fannie Mae—retired
Suzanne E. Boas CredAbility
Bobbie McCrackin Federal Reserve Bank of Atlanta
Dave Smith AGL Resources
Delta Air Lines—retired
Community Volunteer
Eric Hartz
Tracy Ryan
RentBureau, LLC
Bank of America
Cathy Hilton
Tony Spinnelli
UPS Capital Corporation
Equifax
Larry Hoskins
Roger Tutterow
Wells Fargo
Mercer University
Doug Jones Southern Company Generation
LEGAL COUNSEL
Lisa Keyes
Jay Levin
King & Spalding
Loren Kranz Citicards
Bryan Cave LLP
www.CredAbility.org | 800.251.2227
CredAbility maintains memberships and affilations that build strong partnerships, affirm our credentials and support our mission nationwide.
CredAbility is a nonprofit credit counseling agency. We are NOT A LOAN COMPANY; we do not lend money. CredAbility is a licensed debt management service provider. CredAbility is approved to issue certificates in compliance with the bankruptcy code. Approval does not endorse or assure the quality of an agency’s services. Copyright 2011 Consumer Credit Counseling Service of Greater Atlanta d/b/a CredAbility. All rights reserved. ADM-11-0702 Mar. v1