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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. 

You must be a union member or union retiree. 

For the Debt Management Plan (DMP) grants, you must enroll after January 26, 2009 in the Union Plus Credit Counseling DMP through our program provider, Money Management International (MMI) by calling 877-833-1745 (available 24/7) or completing the online enrollment form on the MMI site.   

To receive the grant, you must be successfully enrolled in the DMP for 12 months.  

First, you must enroll in the Debt Management Plan (DMP) after January 26, 2009 at Money Management International (MMI) by calling 877-833-1745 (available 24/7) or completing the online enrollment form on the MMI site. 

After enrolling in the DMP, you will receive a welcome letter from MMI, the non-profit credit counseling program provider. The letter will include your MMI Client ID. 

After receiving your welcome letter, you must complete the online application form, and download and complete the Union Member Verification Form. Mail the Union Member Verification Form to the address below. 

After 12 months of participation in the DMP, MMI will send you a Certificate of Participation validating your participation in the plan. The certificate will indicate the total amount of monthly fees for which you will be reimbursed.  One year of your DMP fees will be reimbursed after completing 12 months in the plan. 

Mail the Certificate of Participation and Union Member Verification Form to: 

Union Plus DMP Grants 
1100 First Street NE, Suite 850 
Washington, DC 20002 

Once the certificate is received and you're approved for the grant, a check will be mailed directly to you. You can expect to receive your check within 6-8 weeks after we receive your certificate. 

Use your Hertz Vans & Trucks discount in 3 easy steps.

1. Go to the Hertz Vans & Trucks discount website or call 1-800-654-2200 and use discount code (CDP#) 205666. 
2. Choose the location, dates and times you'd like to reserve a van or truck. 
3. Make your reservation and get moving! 

This program is available at participating locations in the continental United States and Canada. 

• Dues-paying labor union members of participating unions 

• Retired union members 

• Spouses and domestic partners of union members 

• Widows/widowers of union members 

• Union Plus Credit Cardholders 

To reserve a Hertz van or truck by phone, call 1-800-654-2200. Use discount code (CDP#) 205666. 

Go to bachelorsdegree.unionplus.org and select the "Get Started" button. Fill out your contact and union information (for membership verification), and your program of interest. 

You'll be directed to complete the Central State University (CSU) application form and the financial aid form (FAFSA). 

Applicants will be contacted by an enrollment specialist to help with any questions. 

Students who apply to Central State University must have an Associate Degree or completed 60 college credits with a 2.2 GPA* and must apply for and use any available federal grants. Students who have not yet earned an Associate Degree or are just getting started in higher education can begin with the Free College program at Eastern Gateway Community College and then transfer into the Bachelor’s Degree Completion programs at CSU.

The program is available in the Unites States including Guam, Puerto Rico and the U.S. Virgin Islands. 

To be eligible, you must meet one of the following criteria:

• Dues-paying labor union members of participating unions
• Retired union members

• Widows/widowers of union members

• Spouses and domestic partners of union members

• Children of union members, including step-children and children-in-law (no age limits)

• Grandchildren of union members

• Financial dependents of union members

• Siblings of union members

• Parents of union members

Call  888-897-9671 to speak to an enrollment advisor. 

Book your next hotel stay in three easy steps:

1. Visit the  Union Plus Hotels website. 
2. Add your travel destination and dates. 
3. Choose your hotel and book! 

The following are eligible for Union Plus Hotel Discounts:

• All dues-paying labor union members

• Retired union members

• Spouse, domestic partner and children of union members

• Widows of union members

Union Plus Hotel Discounts are available in the United States. They are not available in Canada, Guam, Puerto Rico and the Virgin Islands.

Access Union Plus Vacation Tours in 3 easy steps:

1. Visit the Union Plus Vacation Tours website and register/sign in. 
2. Plan your trip. 
3. Book online, by phone by calling 844-868-2685, or through your own travel agent. 

The Union Plus Vacation Tours program is available in the United States. The following are eligible: 

• Dues-paying labor union members of participating unions 

• Retired union members 

• Spouse, domestic partners, and children of union members 

• Widows/widowers of union members 

• Union Plus Credit Card holders 

To reserve a vacation tour by phone, call Collette at 844-868-2685 or contact your travel professional. Use offer code UNIONSAVE to find out about special seasonal markdown offers discounted by up to $500 per person.