

| Service Definitions Budget Counseling A counselor assists in developing a plan to meet goals and needs for individuals and families, suggesting methods to improve money-spending habits. Debt Management When monthly living expenses and installment payments are higher than the income, a counselor will work to arrange a new repayment plan with the creditors. This allows monthly payments to be lowered due to an extension in the time allowed to repay the debts. This program is voluntary. A client must have enough money after basic expenses to make a workable plan. To apply online for our Consumer Credit Counseling Service, simply click on the APPLY ONLINE button below and fill out the on-line form. Housing Counseling This program is designed to provide a wide range of counseling for those needing advice for first-time home buying to those who are experiencing financial difficulty. The program gives mortgagors an opportunity to avoid impending evictions and/or foreclosures. Consumer Education Workshops are offered to groups of all ages on a wide variety of subjects, such as consumer rights, values and attitudes on money issues, budgeting, debt, credit fundamentals, and home buying. Credit Report Review The Credit Report Review is designed to personally and confidentially analyze your credit report. The Credit Report Review offers a personal counseling session with the consumer to review the credit report's content and meaning. Pre-filing Bankruptcy Counseling This service is designed to provide you with a budget analysis that will examine your financial situation, discuss the factors that may be the cause of your problems, and explore your options for developing a reasonable plan for dealing with them. The purpose of this session is to provide you with information so that you may choose the option that you think is best. You will be provided with a certificate that you will need should you decide to file for bankruptcy. Click here for the Pre-Filing Bankruptcy disclosure form. Bankruptcy Pre-Discharge Education This financial management course is designed to provide you with the knowledge to manage your finances and give you the tools to help build a brighter financial future. Click here to download the Bankruptcy Pre-Discharge Education disclosure form. Eligibility CCCS provides professional counseling and money management assistance to all persons who are experiencing financial difficulty regardless of age, race, creed, color, sex, social position, or financial status. Fees
Request for Debt Management Service |
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