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CreditTrack is an online personal finance education center. Education modules will guide you through the core aspects of personal financial management. By completing these courses, you are moving toward financial success while demonstrating a commitment to sound money management.
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Consumer Credit Counseling Service of San Francisco is dedicated to financial education and understanding. We believe that a higher level of knowledge is the key to financial success. Personal finance covers a wide range of topics, from managing daily expenses to planning for retirement, with everything from credit cards to mortgages and insurance in between. Fortunately, you don't have to be an expert in all these areas to achieve financial fitness. Practicing the basics of smart money management is all it takes for most people to reach their goals. In this section, you will find a range of tools to help you learn more.

Making Home Affordable Program
In March 2009, the federal government introduced the Making Home Affordable program. As the name implies, its purpose is to help struggling homeowners stay in their homes by giving them affordable, sustainable mortgages. There are two ways this can be accomplished – through loan modification or refinancing. Read More

How Will the Stimulus Bill Help You?
The government’s actions to aid struggling businesses have garnered much of the media’s attention. However, the recently passed American Recovery and Reinvestment Act of 2009, more commonly known as the “stimulus bill”, also contains several measures designed to help individuals. Read More

Foreclosure Rescue Scams
In many communities, “We Buy Houses” and “Stop Foreclosure” signs are a familiar sight. If you are a desperate homeowner unable to keep up with your mortgage, you may be tempted to call the number on a sign. Don’t. Unfortunately, there have been a slew of con artists that have popped up in recent years who prey on homeowners facing foreclosure. Read More

Financial First Aid Workbook
Many circumstances in life can derail even the best money management plan. If you have found yourself in a situation where you can’t keep up with your bills, you’ll need to take an inventory of your resources and prioritize your financial obligations. PDF Download

Early Delinquency Intervention: Saving Your Home from Foreclosure
There are many reasons homeowners face difficulty in making mortgage payments: unexpected expenses, loss of overtime, unemployment, overspending, illness/injury, disability, death, marriage, childrearing, divorce, education, and relocation. Whatever the reason, it is important to be informed of all available options and to act quickly. Read More

Renters' Rights in a Foreclosure
Every month, you dutifully send in your rent on time. You assume that your landlord is just as dutiful in paying the mortgage. However, one day, you come home and see a foreclosure notice on the door. The landlord hasn’t paid the mortgage in months and is going to lose the home. What are your rights? Do you have to move? Read More

Preparing for a Financial Setback
Living on less is never easy, but with a little planning and a positive attitude, you should be able to weather most financial storms. So, take a deep breath, relax, and review the following tips that you can help make any setback smooth and (almost) painless. Read More

How To Manage Your Finances in a Slow Economy
In periods of economic decline many people find themselves squeezed from both sides – facing both rising prices and a loss of income. With constant media reports on how the economy is heading towards a recession you may be worried about how you are going to pay your own bills. While you may not have control over the economy you do have control over the actions that you take to prepare for possible financial difficulty. Read More

What to Do if Your Income is Reduced
Its challenging enough to make a paycheck last when it comes on a regular basis - but what happens when you have to take mandatory vacation, or are paid for some months out of the year but not others? With planning and a careful look at your finances, you can survive the times when the checks are on hold but the expenses march on. Read More

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