CCCF provides free budget and debt counseling to those who need support to better understand how to manage their money, and anyone that has challenges maintaining their credit card debt. Our certified credit counselors spend quality time to understand sincerely your financial dilemmas and offer detailed advice that can assist you in taking control of your debt.
How does it work?
Budget and debt counselors are available by telephone and internet 24 hours a day, 7 days a week.
A certified credit counselor will work with you personally to:
- Evaluate your current position
- Identify financial goals
- Build a personal plan
- Provide practical and realistic spending goals
Who Benefits and How Do I Know I Qualify?
- Spending more than you make?
- Finding yourself in the same situation month after month and need help with your finances?
- Do you find it difficult to pay your bills each month?
- Has your income decreased unexpectedly? You were able to manage debt, but now it has become a struggle?
- Recently divorced, large medical bills, a pile of credit card debt causing financial problems and strains?
Every financial problem has solutions, no matter how big or small. Regardless of what financial problems you face, the most important thing to keep in mind is that you are not alone and we are here to help!
With our free counseling consultation appointments, taking control of your credit problems is easy, and you have nothing to lose by filling out an online form to have a counselor contact you.
The financial condition of each person is unique, and therefore each counseling session is customized to meet each consumer's individual needs. A full credit and budget counseling session usually lasts up to 60 minutes. Even if you can only spare a few minutes, it is worth the call!
Nope, not at all! Credit counseling sessions have no charge or obligation. If you want to start a debt management plan, the expense of running the program will likely include a onetime set-up charge and a small monthly fee.
Confidentiality is one of the most important aspects of our counseling services. Your involvement in a counseling session shall not be revealed or shared with anyone unless you have confirmed or decided otherwise. We do not report to agencies for credit reporting. If you choose to set up a Debt Management Plan (DMP), your counselor will ask for your permission to negotiate on your behalf with your creditors. Find out more about DMPs by clicking here.