FDSC-LIUNA

The following are eligible: 

• Dues-paying labor union members of participating unions 

• Retired union members  

• Spouse, domestic partners, and children (age 18+) may be included 

• Widows/widowers of union members 

Yes. The hotline's HUD-certified counselors can help you establish a budget, set priorities and explain all the available strategies to stop foreclosure and help you keep your home. Landlords and lenders often are willing to be flexible about repayment of late or missing payments. 
 
If you simply cannot make your payments, your counselor can provide advice for working with the lender. Your lender may be able to restructure your loan to a fixed rate, for example, or allow you to make smaller payments for a limited period of time (those payments will be added to the loan balance, though.) If necessary, your counselor will make referrals to other resources or alternatives such as a deed-in-lieu of foreclosure (where you essentially turn the home back over to the lender). You'll leave the session with a plan outlining actions you need to take.

No. Unlike with credit counseling, the Save My Home Hotline counselors are unable to work directly with your lender. However, they will create an action plan to help you address your housing concerns. After the session, you should be better prepared to work with your lender. And, you may call the Hotline to speak with a counselor as many times as you need to make sure all of your questions and concerns are answered.

Your counseling session will consist of a review of your circumstances, including income, expenses, debts and mortgage terms. You should have the account numbers, billing addresses, current payments and balances for all creditors you owe, as well as any information from your mortgage lender, including payment amount and time delinquent (if applicable).

If you have a Union Plus Mortgage, you may also be eligible for the Union Plus Mortgage Assistance Program. 

The free bankruptcy counseling filing fee waiver is currently available in the United States, but not available in Puerto Rico, Guam, Virgin Islands, and Canada. 

To be eligible, you must be: 

• Dues-paying labor union members of participating unions 

• Retired labor union members 

Call the bankruptcy line for Union Plus Credit Counseling at 866-279-7197 (available 24/7) to set up an appointment.

To be considered for a Union Plus Disaster Relief Grant, the union member must:

1. Have Union Plus Credit Card or Teamster Privilege Credit Card  for at least three (3) months,  Union Plus Mortgage,  Union Plus Life  or  Accidental Death Insurance,  Union Plus Retiree Healthcare  or  Union Plus Auto Insurance  policy for at least 12 months, or  Union Plus Personal Loan  for at least six (6) months with the account or policy in good standing (be up-to-date on payments). 
2. Have your primary residence located in a county or parish affected by a natural disaster listed in a Federal Emergency Management Agency (FEMA) Disaster Declaration offering "Individual Assistance." 
3. Contact Union Plus to initiate a claim for a grant within twelve (12) months of the incident date. 
4. Have not received a disaster relief grant in the past, as these grants are once-per-lifetime. 

Not all FEMA disaster declarations include "Individual Disaster Assistance." To check if your county or parish has been designated as an area eligible for individual assistance, visit  FEMA’s disaster declarations page. 

Grants may be considered taxable income by the Internal Revenue Service. Therefore, a Form 1099-MISC tax reporting form will be issued to each recipient of grants valued at $600 or more.

Disaster victims who participate in the  Union Plus Mortgage  programs may be eligible to receive payment extensions or other special help from the program providers. 

Mortgage loans are available in the United States only and currently not available in Canada, Guam, Puerto Rico or Virgin Islands. 

The Union Plus Mortgage Program is available to: 

• Dues-paying labor union members of participating unions 

• Retired labor union members 

• Spouses, children and parents of union members 

When you buy or refinance a home through the Union Plus Mortgage program and experience income loss, turn to  Union Plus Mortgage Assistance. The program provides interest-free loans and grants to help you make mortgage payments when you're disabled, unemployed, locked out, or on strike.

Over the life of the Union Plus mortgage assistance program, we've provided more than $12 million in assistance to union members.  Check details and eligibility for loan/grant assistance.

Note: The first $1,000 of the loan benefit is a one-per-lifetime grant that does not need to be repaid. If you qualify for the mortgage assistance program, you will also receive an additional, one-time only $1,000 grant paid directly to you.

For questions about the Union Plus mortgage assistance program, call 800-472-2005.