Consumer Credit Counseling Service

Our dedicated team works tirelessly to help individuals and families achieve financial security, improving their overall quality of life. Budget Counseling
You will meet with a certified credit counselor who will conduct a thorough and confidential analysis of your income and living expenses. A spending plan and possible solutions to your problems will be addressed. There is NO FEE for the counse

ling sessions. Debt Management
If you are unable to make your full payments to all your creditors, a debt management plan maybe for you. We will work with your creditors on your behalf to lower monthly paymments, lower the interest and stop over the limit and late fees. Each month you make only one convenient payment to CCCS for disbursal to your creditors. Education Programs and Seminars
We offer a wide selection of educational programs to the public. Presentations are made to schools, clubs and businesses about all aspects of money management and budgeting. These presentations are easily adapted to all ages, from teens to senior citizens. Checkwise Program
Checkwise is designed for people who have never had a relationship with a financial institution or for those individuals whose pasy problems are making if difficult to open a new account. Call for more information. Bankruptcy Counseling
The Federal Bankruptcy Guidelines require that an individual filing for bankruptcy receive credit counseling from an approved nonprofit budget and credit counseling during a 180 day period preceding the date of filing the bankruptcy petition. Bankruptcy Education
All fliers must complete an approved personal financial management course by an approved educational provider before they can be eligible ro receive a bankruptcy discharge. Housing Education and Counseling
We are approved by HUD and certified through the NFCC to provide housing counseling and education programs for first time home buyers, post purchase homeowners, and individuals facing difficulty with making their mortgage payments.