For individuals or families who need help with solving debt problems or would like to improve their credit history, the Consumer Credit Counseling Service (CCCS) is available to provide confidential, professional counseling regardless of race, creed, age, color, sex, social position or financial status.
CCCS provides money-management assistance to individuals and families, assisting them in arranging mutually acceptable debt repayment plans with creditors. CCCS counselors help families plan monthly budgets and suggest methods to improve money management and spending habits. Services include budget counseling, mortgage default and rent delinquency counseling, debt management and consumer education. Counseling is available in person, by phone or by mail.
Consumers may want to contact CCCS for assistance before their credit reports reflect a poor credit history. Consumers should be wary if they have: