Credit Counseling Centers of America

When consumers fall behind on bills, they sometimes turn to credit counseling. Credit counselors can help them to consolidate bills, reduce mortgage rates and achieve a fresh start. Many banks or credit companies refer struggling customers to these places. One such place is the Credit Counseling Centers of America. It helps clients in the ways detailed above. For those with an imminent foreclosure, past or current bankruptcy or credit card debt, it is the best option.

What are the Credit Counseling Centers of America?

Credit Counseling Centers of America, or CCCS, has centers in over 50 cities nationwide. It provides help with credit counseling, foreclosure and mortgage mitigation services, reverse mortgage counseling, bankruptcy and rental counseling. There are also programs to help those looking to buy a new home and presentations on personal finance. In business for over 40 years, CCCS has maintained a good track record with the Better Business Bureau, or BBB.

Fees

Several of its services, such as budget counseling, credit counseling and housing services are free. Others have minimal fees. Debt management plans are either $40 a month or the amount permitted by state law. Pre-bankruptcy counseling, which includes a certificate at completion, can run from $40 for an individual to $120 for one-on-one couple's counseling.

CCCS has a long history of helping Americans get on the road to fiscal responsibility. Many of its services are free, and it charges a minimal amount for others. Those looking for debt consolidation, bankruptcy and foreclosure help, might do well to give CCCS a call.