Potential Client

  • What services do we offer?
  • Credit Clinic: We help you build and rebuild your credit.
  • Housing Clinic: We help you explore all your housing options.
  • Tax Clinic: We help you work with the IRS toward resolving your issue.
  • Stepping Stones Community Federal Credit Union was chartered to offer alternatives to high cost lending in our community.
  • If you need our services, how do you get started?
  • Call the clinic director and set up an appointment.
  • How can you reach us?
  • By mail: 601 North Church Street, Wilmington, DE  19801. Your best method is to call or email us.
  • Rashmi Rangan, Executive Director
    • 302-298-3250 or 877-825-0750 x 100 Rrangan@dcrac.org
    • Rashmi speaks English and Hind.
  • Courie Foster, Financial Coach
    • 302-298-3249 x 101 or 877-825-0750 x 101 Cfoster@dcrac.org
    • Courie speaks English and Spanish
  • Rony Peralta, Low Income Tax Clinic Director
    • 302-298-3252 or 877-825-0750 x 102 Rperalta@dcrac.org
    • Rony speaks English and Spanish
  • Jaclyn Lantieri, Housing Clinic Director
    • 302-298-3253 or 877-825-0750 x 103 Jlantieri@dcrac.org
  • Jabari Chambers, Deputy Tax Clinic
    • 302-298-3254 or 877-825-0750 x 104 Jchambers@dcrac.org
  • Greg Wilson, Communications Director
    • 302-298-3251 or 877-825-0750 x 105 Gwilson@dcrac.org
  • Jackie McDonald, Manager
    • Stepping Stones Community Federal Credit Union
    • 302-654-5024 x 106
  • How much do you charge for your services?
  • Our services are offered at no cost.
  • Do you have income restrictions about whom you can serve?
  • The majority of our services are available to lower income Delawareans.  Those who can afford to pay for our services are informed about other private resources available to them.  Generally, we do not turn anyone away. 80% of our clients are lower income Delawareans.
  • Do I need an appointment to speak with one of the Clinic Directors?
  • Yes, you can call your Clinic Director to schedule an appointment. 
  • I live in Kent County.  Can you help me?
  • Yes.  Although we have only two offices—in Wilmington and Georgetown, we serve all of Delaware.  We will meet you at a public library near where you live.
  • What are your Georgetown office hours?
  • Tax Clinic—Mondays--1-877-825-0750 x 102
  • Housing Clinic—Thursdays--1-877-825-0750 x 103
  • Please be sure to make an appointment.
  • Do you speak any other languages?
  • Yes. We speak Spanish and Hindi. 
  • What if I have a problem with one of your staff?
  • Please follow our grievance policy guidelines.

Interested Individual

  • What are we currently doing? 
  • We are building our Stepping Stones Community Federal Credit Union!
  • How can I help?
  • You can become a volunteer or consider financial support of our organization.
  • Are you a 501 c 3?
  • Yes.
  • Where can I find your Form 990?
    Please go back to the main page.
  • Where can I find your most recent audit?
    Please go back to the main page.
  • Where can I find your annual report?
  • Please go back the the main page
  • Who serves on your board?
    Please see our board list.
  • I would like to make a donation to DCRAC.  Whom should I contact?
  • We are delighted that you are considering a donation to DCRAC.  Please contact Rashmi Rangan.
  • Is my donation to DCRAC tax deductible?
  • Your donation to DCRAC is tax deductible to the fullest extent of the law.
  • Who funds your organization?
  • We are proud to report that our Delaware financial institutions, New Castle County Board of Realtors, New Castle County, Sussex County, City of Wilmington, US Department of Treasury (IRS), and many individuals in Delaware support us.
  • If you receive funding from banks do you not compromise the very purpose for which you were formed—to keep an eye on the financial institutions?
  • Our progressive financial institutions recognize our two-pronged objectives:
  • Through Education and Outreach we develop consumers of financial services who build relationships with the main stream financial service providers. 
  • Through advocacy, we strive to deepen the commitment of financial systems, their regulators, our legislators, and the larger Delaware community to an environment which fosters equal access to credit and asset building opportunities for all Delawareans.



Quick Look at What's Happening at DCRAC

DCRAC applauds DoD's new rules to fight predatory lending.

Here's the WHYY Newsworks online write up of DCRAC's Pre-Purchase First Time Homebuyer program.

Check out the WHYY First story about DCRAC's Pre-Purchase First-Time Homebuyer program.

DCRAC is always looking for ways to work with our elected officials, this recent News Journal editorial highlights the latest example.

Check out how DCRAC grant from U.S. bishops’ CCHD helps Stepping Stones Community Federal Credit Union

Thank you for all your support! DCRAC's "Stand Up for Fair Lending and Rock with DCRAC" event at the World Cafe Live at the Queen was a tremendous success. Here was the News Journal op-ed we had to promote the event.

In this News Journal article, check out how out this how DCRAC teamed up with TD Bank to help a small business owner.

If you need more info about HB 286 and want to call your senator to let him or her know how you feel, click here.

Check out the HB 286 opposition letter from Rashmi Rangan and other community leaders from June 5th.

After collecting data for a year, here is the report to the Office of the State Bank Commissioner on payday lending in Delaware for 2013.

Learn how to avoid foreclosure scams, and talk to mortgage lenders and servicers at these two Delaware Housing Workshops: Monday, June 9th & Tuesday, June 10th. Click here for info.

DCRAC's Free Community BBQ is still on. Join us at 601 N. Church Street today from 11:30 am - 6:30 pm for some burgers and dogs.

DCRAC in the News Journal on May 3, 2014 Payday reform progress, but more needs to be done.

DCRAC Free Community BBQ on Friday, May 16th, 11:30 am to 6:30 pm.

Cape Gazette story of the DCRAC's Free Tax Clinic Workshops for Procrastinators

WHYY's Newsworks coverage of DCRAC's Free Tax Clinic Workshops for Procrastinators

DCRAC Free Tax Clinic Workshops for Procrastinators in Milford, 12 noon - 1:45 pm and Georgetown, 5:00 pm-6:45 pm on April 15th

Check out this profile of DCRAC volunteer attorney Jim Angus in the April issue of Delaware Beach Life magazine.

Do you want to buy a home? Attend the DSHA Homebuyer Fair on Saturday, April 5th from 8am to 4pm at the Chase Center on the Riverfront. Click here for info.

Worried about missing a mortgage payment? DCRAC will be on hand for the DE AG & DSHA's Delaware Housing Workshops on Saturday, March 22nd in Dover 9am - 1pm and Newark 3pm - 7pm. Click here for more info.

Check out Rashmi Rangan's Three Rules for Tax Season in the News Journal.

DCRAC will be hosting a free Tax Clinic Workshop in Wilmington at William Hicks Anderson Community Center on March 20th 12 noon to 1pm and 6pm to 7pm.

In February, DCRAC made the local press in the Milford Chronicle and Cape Gazette.

Rashmi Rangan and Jim Angus had this piece in the News Journal in January.

Hey folks, if you get a notice from the IRS, be sure and check out one of DCRAC's free tax workshops on April 15th. We'll have one in Milford and a second in Georgetown.

Happy New Year! Celebrate the new year with our Financial Fitness Series on the first three Saturdays of each month: January 4th, 11th & 18th; February 1st, 8th & 15th; March 1st, 8th & 15th; April 5th 12th & 19th. Our free classes a run from 10am to 1pm. Thanks to a grant from the Kenny Family Foundation, lunch is served at no charge.

New TELEPHONE Numbers at DCRAC! You can still reach us at the old numbers you have for us. You may get a message to hang up and call our new telephone number.

Delaware CRA Contacts:


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