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Our Services
During your free financial counseling session your counselor will sit down with you and evaluate your income, expenses, and debt. You will develop a budget/spending plan, and determine what options are best for you. Here's some information you should take to your counsel:
- All bills
- Pay stub
- List of living expenses
View our Frequently Asked Questions page for more general information.
Some options you may take advantage of include:
Bankruptcy Counseling & Education
CCCS is approved to issue certificates in compliance with the Bankruptcy Code. We offer Bankruptcy classes on the phone, online, and, of course, in person.
Debt Management Counseling
Our budgeting suggestions will have you living within your income, your budgeting actions will make the plan work. We will work side-by-side with you to help you manage your finances. You can also learn more about your creditors when it comes to debt management plans here.
Housing Counseling
CCCS is a HUD (Housing and Urban Development) approved housing counseling agency. We offer confidential counseling with solutions to your financial situation.
CCCS offers pre-purchase counseling, reverse mortgage counseling and counseling to help you remain in your home.
Tax Preparation and Earned Income Credit
CCCS's financial services aren't limited to counseling and debt management. We also offer professional tax preparation. It's easy, inexpensive, and it helps consumers get the most out of their tax refunds.
Reverse Mortgage Counseling
If you're a homeowner age 62 or older, a reverse mortgage can give you a way to convert home equity to cash, supplementing your income. We'll tell you what you need to know so you can make an informed choice as to whether this is right for you.