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Evaluating The Effectiveness Of Credit Counseling Phase One
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Book Synopsis Prebankruptcy Credit Counseling by : Noreen Clancy
Download or read book Prebankruptcy Credit Counseling written by Noreen Clancy and published by Rand Corporation. This book was released on 2007 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 provided new requirements for bankruptcy filers and gave the U.S. Trustee Program (USTP) new areas of responsibility. One new requirement is that any individual filer must have received credit counseling during the 180 days before filing. USTP must develop measures of credit-counseling agency effectiveness, then apply those criteria to decide whether to reapprove those agencies. Complicating the effectiveness issue is the increased use of Internet-based credit counseling and whether the mode of delivery influences the counseling's adequacy and effectiveness. USTP asked RAND for help in examining what constitutes effective prebankruptcy credit counseling and how to measure it. The authors concluded that USTP should first explicitly identify the goals of prebankruptcy credit counseling; that there are no common standards or accepted sets of metrics for USTP to adopt in whole; and that there are no accepted views on the various modes of delivery. They recommend that USTP use certain upcoming reports to inform the process of developing measures of effectiveness and approving or reapproving credit-counseling agencies; that it consider whether an agency up for reapproval is providing the services stated in its initial approval application, as well as any pre- and post-testing that the agency conducts; that it survey prebankruptcy credit counselors; that it choose a few measures of effectiveness; and that it take some debtor characteristics into account when measuring agency effectiveness.
Book Synopsis Financing Low Income Communities by : Julia Sass Rubin
Download or read book Financing Low Income Communities written by Julia Sass Rubin and published by Russell Sage Foundation. This book was released on 2007-11-15 with total page 341 pages. Available in PDF, EPUB and Kindle. Book excerpt: Access to capital and financial services is crucial for healthy communities. However, many impoverished individuals and neighborhoods are routinely ignored by mainstream financial institutions. This neglect led to the creation of community development financial institutions (CDFIs), which provide low-income communities with financial services and act as a conduit to conventional financial organizations and capital markets. Edited by Julia Sass Rubin, Financing Low-Income Communities brings together leading experts in the field to assess what we know about the challenges of bringing financial services and capital to poor communities, map out future lines of research, and propose policy reforms to make these efforts more effective. The contributors to Financing Low-Income Communities distill research on key topics related to community development finance. Daniel Schneider and Peter Tufano examine the obstacles that make saving and asset accumulation difficult for low-income households—such as the fact that tens of millions of low-income and minority adults don't have a bank account—and consider solutions, like making it easier for low-wage workers to enroll in 401(K) plans. Jeanne Hogarth, Jane Kolodinksy, and Marianne Hilgert review evidence showing that community-based financial education programs can be effective in changing families' saving and budgeting patterns. Lisa Servon proposes strategies for addressing the challenges facing the microenterprise field in the United States. Julia Sass Rubin discusses ways community loan and venture capital funds have adapted in response to the decreased availability of funding, and considers potential sources of new capital, such as state governments and public pension funds. Marva Williams explores the evolution and recent performance of community development banks and credit unions. Kathleen Engel and Patricia McCoy document the proliferation of predatory lenders, who market loans at onerous interest rates to financially vulnerable families and the devastating effects of such lending on communities—from increased crime to falling home values and lower tax revenues. Rachel Bratt reviews the policies and programs used to make rental and owned housing financially accessible. Rob Hollister proposes a framework for evaluating the contributions of community development financial institutions. Despite the many accomplishments of CDFIs over the last four decades, changing political and economic conditions make it imperative that they adapt in order to survive. Financing Low-Income Communities charts out new directions for public and private organizations which aim to end the financial exclusion of marginalized neighborhoods.
Download or read book Bankruptcy Reform written by Yvonne Jones and published by DIANE Publishing. This book was released on 2007-12 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bankruptcy Abuse Prevention & Consumer Protection Act of 2005 requires individuals to receive credit counseling before filing for bankruptcy & to take a debtor education course before having debts discharged. Concerns were raised that the new requirements could expose consumers to abusive practices by credit counseling agencies or become barriers to filing for bankruptcy. This report examines: (1) the process of approving counseling & education providers; (2) the content & results of the counseling & education sessions; (3) the fees charged; & (4) the availability of & challenges to accessing services. Includes recommendations. Charts & tables.
Author :United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Administrative Oversight and the Courts Publisher : ISBN 13 : Total Pages :476 pages Book Rating :4.3/5 (91 download)
Book Synopsis Medical Debt by : United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Administrative Oversight and the Courts
Download or read book Medical Debt written by United States. Congress. Senate. Committee on the Judiciary. Subcommittee on Administrative Oversight and the Courts and published by . This book was released on 2010 with total page 476 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Select Committee on Equal Educational Opportunity Publisher : ISBN 13 : Total Pages :542 pages Book Rating :4.3/5 (243 download)
Book Synopsis Equal Educational Opportunity by : United States. Congress. Senate. Select Committee on Equal Educational Opportunity
Download or read book Equal Educational Opportunity written by United States. Congress. Senate. Select Committee on Equal Educational Opportunity and published by . This book was released on 1970 with total page 542 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Resources in Vocational Education by :
Download or read book Resources in Vocational Education written by and published by . This book was released on 1977 with total page 708 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Texas Model for Comprehensive School Counseling Programs by :
Download or read book The Texas Model for Comprehensive School Counseling Programs written by and published by . This book was released on 2018-02-15 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The Texas Model for Comprehensive School Counseling Programs is a resource to develop effective and high quality comprehensive school counseling programs that align with Texas statutes and rules governing the work of school counselors. It outlines a process for tailoring school counseling programs to meet the varying needs of students across an array of school districts through implementation of the four components of school counseling programs, Guidance Curriculum, Responsive Services, Individual Planning, and System Support. With this resource, a school counselor will learn to use campus-specific data to identify the unique needs of a campus and design a comprehensive school counseling program to meet those needs. Recognizing the important roles of the entire educational community, the Texas Model for Comprehensive School Counseling Programs provides examples of how parents, teachers, administrators, principals and school counselors can best contribute to implementation of each of the four components of comprehensive school counseling programs. It provides a developmental framework for a school counseling program curriculum that includes activities at each grade level to enhance students¿ educational, career, personal and social development.
Download or read book Federal Evaluations written by and published by . This book was released on with total page 800 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contains an inventory of evaluation reports produced by and for selected Federal agencies, including GAO evaluation reports that relate to the programs of those agencies.
Download or read book Federal Program Evaluations written by and published by . This book was released on 1982 with total page 972 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contains an inventory of evaluation reports produced by and for selected Federal agencies, including GAO evaluation reports that relate to the programs of those agencies.
Book Synopsis The 1980 Guide to the Evaluation of Educational Experiences in the Armed Services: Army by : American Council on Education
Download or read book The 1980 Guide to the Evaluation of Educational Experiences in the Armed Services: Army written by American Council on Education and published by . This book was released on 1980 with total page 852 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The 1984 Guide to the Evaluation of Educational Experiences in the Armed Services by : American Council on Education
Download or read book The 1984 Guide to the Evaluation of Educational Experiences in the Armed Services written by American Council on Education and published by . This book was released on 1984 with total page 852 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Research, Evaluation, and Demonstration Projects by :
Download or read book Research, Evaluation, and Demonstration Projects written by and published by . This book was released on 1986 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Federal Register written by and published by . This book was released on 2013 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Select Committee on Equal Educational Opportunity Publisher : ISBN 13 : Total Pages :1030 pages Book Rating :4.:/5 (36 download)
Book Synopsis Hearings, Reports and Prints of the Senate Select Committee on Equal Educational Opportunity by : United States. Congress. Senate. Select Committee on Equal Educational Opportunity
Download or read book Hearings, Reports and Prints of the Senate Select Committee on Equal Educational Opportunity written by United States. Congress. Senate. Select Committee on Equal Educational Opportunity and published by . This book was released on 1972 with total page 1030 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Select Committee on Equal Educational Opportunity Publisher : ISBN 13 : Total Pages :1040 pages Book Rating :4.:/5 (5 download)
Book Synopsis Equal Educational Opportunity by : United States. Congress. Senate. Select Committee on Equal Educational Opportunity
Download or read book Equal Educational Opportunity written by United States. Congress. Senate. Select Committee on Equal Educational Opportunity and published by . This book was released on 1970 with total page 1040 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law Publisher : ISBN 13 : Total Pages :158 pages Book Rating :4.3/5 (91 download)
Book Synopsis Bankruptcy Judgeship Needs by : United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law
Download or read book Bankruptcy Judgeship Needs written by United States. Congress. House. Committee on the Judiciary. Subcommittee on Commercial and Administrative Law and published by . This book was released on 2010 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The 1980 Guide to the Evaluation of Educational Experiences in the Armed Services: Coast Guard, Marine Corps, Navy, Dept. of Defense by : American Council on Education
Download or read book The 1980 Guide to the Evaluation of Educational Experiences in the Armed Services: Coast Guard, Marine Corps, Navy, Dept. of Defense written by American Council on Education and published by . This book was released on 1980 with total page 704 pages. Available in PDF, EPUB and Kindle. Book excerpt:
