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FAQ
Potential Client
- What services do we offer?
- Credit Clinic: Help with establishing and maintaining budgets and help with helping you negotiate with your creditors.
- Housing Clinic: Helping you modify your mortgage if you qualify for a loan modification and helping you file a discrimination complaint if you believe you have been discriminated against.
- Tax Clinic: Helping you resolve your tax debt with the IRS.
- 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
- By fax: 302-654-5046
- By Telephone: 302-654-5024 or 877-825-0750
- Diana Bernal, Credit Clinic x 101
- Carlos Herrera, Housing Clinic, x 103
- Rony Peralta, Tax Clinic, x 102
- Rashmi Rangan, Executive Director, x 100
- 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. 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.
- Rony Peralta—Tax Clinic—1-877-825-0750 x 102 or 302-654-5024 x 102
- Diana Bernal—Credit Clinic—1-877-825-0750 x 101 or 302-654-5024 x 101
- Carlos Herrera—Housing Clinic—1-877-825-0750 x 103 or 302-654-5024 x 103
- 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
- Credit Clinic—Tuesdays--1-877-825-0750 x 101
- Housing Clinic—Thursdays--1-877-825-0750 x 103
- Please be sure to make an appointment.
- How can I learn more about your Clinics?
- Please visit the FAQ section on our clinic page
- Do you speak any other languages?
- Yes. Our Clinic Directors speak Spanish. Our executive director speaks 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 engaged in a campaign to expand the Community Reinvestment Act to other financial institutions.
- How can I help?
- You can become a volunteer or consider financial support of our organization. Please visit our Get Involved page for more information.
- Are you a 501 c 3?
- Yes.
- Where can I find your Form 990?
Our form 990 ending June 30, 2010 - Where can I find your most recent audit?
Our audit ending June 30, 2010 - Where can I find your annual report?
- Our annual report ending June 30,2010
- 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 x 100.
- 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 Housing and Urban Development, 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's comments on Fed approval of Capital One-ING Direct merger
Delaware Attorney General Beau Biden Signs on to Settlement Deal
The News Journal's Delaware Inc. quotes from DCRAC's letter to AG Beau Biden on mortgage settlement deal.
Public Housing notice in Newark, Delaware.
The News Journal prints DCRAC's "Delaware Voice" essay on Capital One merger with Ing Direct.
DCRAC releases letter of support for Delaware Attorney General Beau Biden.
DCRAC statement on DE Bank Commissioner's Cap One - ING decision: "We place the City of Wilmington and the Delaware Economic Development Office on notice to keep their calculators ready. Six months after the merger is consummated, we will ask them for a public accounting with regards to all the jobs that have been created and services provided to our communities here in Delaware by Capitol One."
Rashmi is quoted in News Journal on Mortgage Deal
John Taylor from Content Delaware interviews Rashmi Rangan
Check out these January Fair Housing Training Events
Rashmi Rangan quoted in News Journal editorial about Cordray Appointment
Rashmi Rangan: Richard Cordray Appointment Victory for Consumers
Join Rashmi Rangan for Ignite Wilmington, Nov. 30th at 7:00 pm at World Cafe Live at the Queen. Go to www.ignitewilmington.com.
Hoy en Delaware features a letter from Rashmi Rangan, Jim Angus and Rony Peralta on the Sussex County Today and Tomorrow Conference at Del Tech.
Rashmi wrote a letter to the DE Sec of Labor and pointed to the agreement reached in VA.
Good news last week in Norfolk, Virginia on the issue of worker wages. Check out the agreement between the VA Sec. of Labor and the Mexican Consulate in DC.
DCRAC's November 2 letter to the bank commissioner regarding the Capital One-ING Direct merger.
This is the cooperative agreement proposed by DCRAC for the Capital One-ING Direct merger.
Here is Rashmi Rangan's testimony from the October 27 Capital One - ING Direct bank commissioner hearing.
Eve Tahmincioglu from Delaware First Media looks at Stepping Stones FCU and the role credit unions have played in low income areas.
Here is a story about our CRA Leadership Award in the Community Pub
The Seaford Star has an interview with CRA Leadership Award winner Amy Walls
WHYY's Newsworks posted a story on U.S. Rep John Carney's visit to DCRAC as he learned about our mission and Stepping Stones FCU.
The Cape Gazette printed a nice profile of Amy Walls, DCRAC's 2011 CRA Leadership Award winner
WHYY's Newsworks has a good story on "Celebrate CRA 2011" and "Stepping Stones FCU"
The News Journal's Rhonda B. Graham highlights Stepping Stones FCU as a sign of hope in Wilmington.
The News Journal's Eric Ruth reports on the creation of Stepping Stones FCU
NCUA Grants Charter for Stepping Stones Federal Credit Union
Rashmi Rangan's detailed comments on Capital One-ING Direct merger to Federal Reserve
Rashmi Rangan's testimony at Capital One-ING Direct Public Meeting
DCRAC interview with Housing Clinic Director, Carlos Herrera
DCRAC welcomes our partners to the 15th annual Celebrate CRA
Rashmi Rangan's op-ed on Dodd-Frank and Consumer Protection Bureau
DCRAC seeks Credit Clinic Director
DCRAC comments on Capital One/ING
Looking for Scholarship Opportunities
Looking for Employment
New Journal's Eric Ruth Quotes Rashmi Rangan on Capital One-ING Direct Merger
News Journal story on family's struggle in foreclosure crisis
News Journal story on Fed approval of M&T - Wilmington Trust merger quotes DCRAC
WHYY features DCRAC in: "Fighting Foreclosures" http://video.whyy.org/video/1780751388/
WHYY interviews Rashmi Rangan on Fed forclosure report
News Journal report on M&T Bank and Wilmington Trust merger hearing
Rashmi Rangan's Public Testimony M&T/WT merger hearing
Delaware CRA Contacts: