Hearing an Old Friend for the First Time
A gray cat lays on his side and bats at a red curtain.
One of Jim's cats, Bear, bats at the curtains.
A Borrower Story

Jim Bowser hadn't had a cat since childhood. When he and his wife moved to an old farmhouse in central PA, they quickly found that their new property was considered the perfect place to drop off unwanted cats. Not having the heart to turn them away, Jim and his wife have accumulated nine cats and one bewildered dog over the years, and have become self-proclaimed "crazy cat people."

Jim recently wrote to thank us for helping him acquire hearing aids, and shared this story:

"About a year ago a very tiny, starving little kitten was dropped off and we nursed her back to health. Every night when I came home from work she was waiting at the top of the stairs, and I would see her open her mouth and stretch her head out to be petted. Now, for the first time in my life, I can hear her meow. This may not mean much to a lot of people but I can't tell you how much it means to me. I still don't understand what she's saying but at least I can hear her! Thank you for that ability."

We couldn't be happier for you, Jim!

Learn more about our loan program here.
ODHH's booklet, Hearing Aids & Assistive Devices: What You Need to Know
ODHH's booklet, Hearing Aids & Assistive Devices: What You Need to Know.
Resources for People who are Deaf or Hard of Hearing

The Office for the Deaf & Hard of Hearing (ODHH) within the Department of Labor & Industry recently released a fantastic booklet titled Hearing Aids & Assistive Devices: What You Need to Know ( download your copy by clicking here). This booklet covers everything you need to know about hearing aids, telecommunication devices, and other hearing assistive technology. Topics include how to get started, funding options, an extensive list of examples of hearing assistive technology with descriptions, and a thorough resource section.

More resources provided by the Office for the Deaf and Hard of Hearing.

Visit our resources page for people who are Deaf or hard of hearing.
PATF Infographic, accessible text version here: http://patf.us/patf-infographic/
PATF Infographic
Learn More About PATF with this Handy Infographic

We're always looking for alternative ways to present information clearly. This new infographic displays in visual terms what we're all about at PATF.

Including everything from key statistics to our core values, and even a personal borrower story, this mini poster covers what we stand for, who we help, and how we help them.

Visit our website to view the infographic and obtain the accessible text version.
Penny Pincher has a lightbulb moment.
Financial Tips with Penny Pincher
Delinquent Credit Facts

How long does negative information stay on my credit? It depends on the type of negative information. Here is a basic list:
  • Collection accounts: Generally, about 7 years, depending on the age of the debt being collected. A collection account will stay on your credit report for seven years from the date of the last delinquency of the debt, which is also the same for a charged-off account. If you settle the debt, or eventually pay the debt in full, it will be listed as a paid collections account.
  • Charged off accounts: 7 years.
  • Late payments: 7 years.
  • Bankruptcy: 7 years for completed Chapter 13 bankruptcies and 10 years for Chapter 7 bankruptcies.
  • Foreclosure: 7 years.
  • Public Record: Generally 7 years, although unpaid tax liens can remain indefinitely.
Keep in mind, for all of these negative items, the older they are the less impact they are going to have on your FICO® score. For example, a collection that is 5 years old will have much less impact than a collection that is 5 months old.

Read about how to improve your credit score here.
AmazonSmile: You shop. Amazon gives.
The Giving Season

As we approach the giving season, there are lots of ways to support PATF's work. Learn more about how you can help us carry out our mission.

Doing some holiday shopping on Amazon? Don't forget, shop through AmazonSmile and choose PATF as your charity to support using this link: http://smile.amazon.com/ch/23-2953796. It operates the same as Amazon.com and a portion of every purchase you make will be donated to our programs.
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1004 West 9th Avenue, King of Prussia, PA 19406 | 888.744.1938 | patf@patf.us | www.patf.us