Do you charge a fee for your services?
No. Our services are free.
Who else provides similar free services in Delaware?
What happens at your Servicer event?
Generally, you the homeowner will bring all relevant paperwork to the event. At the event, you will be given forms that are required by your servicer. Depending on the number of people ahead of you, you may have to wait to meet with your servicer. If you need help with filling out forms, our volunteers can assist you. You will get an opportunity to meet with your lender/servicer and get your file moving forward in the right direction.
Can I just show up for your Servicer event?
Yes. But it always helps when you pre-register with us.
What documents should I bring with me for my first meeting with you or for the servicer event?
Bring a copy of your latest tax return, any letters you have received from the lender, and if you are experiencing financial difficulties bring a copy of your mortgage documents, your latest utility bills for electric, gas, cable, phone, water, garbage, etc., 3 months of bank statements for all bank accounts, 3 months of credit card statements for all credit cards, your last 3 pay stubs, all medical bills, and any other bills you have that document your indebtedness.
Who are your Housing Clinic staff and what do they do?
Carlos Herrera is our Clinic Director who triages cases as they come in. He meets with you, gets all your facts together and works with the lender/servicer.
Are you HUD approved?
DCRAC is HUD funded for Fair Housing programs. Our foreclosure prevention counseling work is not HUD approved. Carlos Herrera is trained and certified by Neighborworks to offer foreclosure prevention counseling.
What are the implications to me about your program not being HUD approved?
Mediation Program and Delaware Emergency Mortgage Assistance Program requires that you receive counseling from a HUD approved Housing Counselor. If you qualify for these programs, we will refer you to the list of HUD approved housing counselors.
Before coming to DCRAC, should I try a private services that advertise on TV or through flyers and letters?
Be very careful about the dangers of paying someone to do what you can do on your own or with a little help from the nonprofits in the community.
What are some reputable resources I should go to for more information?
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.
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.
If you received a notice from the IRS, be sure and attend our Free Tax Clinic Workshops in Wilmington at William Hicks Anderson Community Center from 12 noon to 1pm & 6pm to 7pm
If you received a notice in the mail from the IRS, be sure and attend our Free Tax Clinics in Milford and Georgetown on Tuesday, February 11th. Milford 12:00 noon - 1:45 pm; Georgetown from 5:00 - 6:45 pm.
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.
Come one come all to the DCRAC / Stepping Stones Holiday Party on Thursday, December 5th at 6:00 pm. 601 North Church Street Wilmington, DE 19801.
Join DCRAC and Stepping Stones Community FCU in the Howard High School of Technology's Academy of Finance "Strides for Success" 5k fundraiser at Dravo Plaza on Saturday, Nov. 30th at 10 am.
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.
Need info to fight foreclosure? Join us in Georgetown on Wed, Oct 23 from 12 noon to 7pm. For more details, click here.
DCRAC Awarded $50,000 grant from Bank of America
DCRAC Celebrate CRA 2013 Award Winners, click here.
DCRAC's Celebrate CRA 2013 event on Friday, Oct 11th at Ed Oliver Golf Club from 5:30 pm to 8:30 pm will be an amazing time. Click here to buy a ticket.
If you are a person of means looking to assist those struggling in our tough economy, we recommend making a tax deductible donation to DCRAC's tax and credit clinics.Click here for more info.
Hey Folks, we're having our annual free community BBQ on Friday, July 19th from 11:30 am to 4:00 pm! All are welcome.
Check out The Wave report on DCRAC's tax clinic services.
The Sussex County Post covered the Discover Bank - DCRAC Credit Report Marathon in Greenwood, DE on April 3rd.
April is Fair Housing Month, check out these DCRAC & CLASI events.
Check out Rashmi's March 28th op-ed "Filing taxes doesn't have to be maddening" in the News Journal.
Need your credit report checked? DCRAC teams up with Discover bank in Greenwood, DE. We'll pull your credit report for free on Wednesday, April 3rd from 10:00 am to 3:00 pm.Click here for info.
Attend our free tax workshop on April 4th in Milford from12:00 noon - 1:45 pm & Georgetown from 5:00 pm - 6:45 pm.
Job Fair in Newark, March 6th. Click here for info.
In addition to Wilmington, we will hold a Black History Month event in Dover, DE on February 28th. Invite your friends to hear a special presentation of: Jefferson Morley's "Snow Storm in August"
Help us celebrate Black History Month on February 25th at the Carvel State Building, Wilmington, DE for a 5:30 pm reception and 6:00 pm special presentation of: Jefferson Morley's "Snow Storm in August"
Get Free Tax help for your hack taxes on February 28th, 12:00 noon - 1:45 pm in Milford and 5:00pm - 6:45 pm in Georgetown. Click here for more info