Your Educational Source Consumer Credit and Budget Counseling, Inc


CC&BC is your home for Credit Counseling and Education
Free debt and budget analysis
Frequently Asked Questions
Your source for finanacial literacy education
Client access to tools to manage your account
Contact us for your financial counseling and educational needs

Learn how to better manage your finances Experienced and Certified Counselors to answer your questions Is your budget is balance or are you struggleing every month?  Get your budget analyzed by a Certified Counselor who will compre it to others in similar situations No Cost / No Obligation / Completeley Confidential Analysis of your Debt Situation
Learn the basics about how to buy a homeLearn how to reduce your payments and lower your interest ratesLearn how to budget and manage your financesRequired credit counseling and debtor education for bankruptcy

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Foreclosure Counseling:

Single: $0, $25 or $30*
Couple: $0, $25 or $40*

Single: $0, $25*
Couple: $0, $25 or $50*

Debt Adjustment
Varies by State*

*Fees are reduced or waived based on income: Income Guidlines to recieve FREE or discounted services
We can help you
Our Pledge:
"No one will be refused service because of their inability or unwillingness to pay a fee"

Mission:To educate individuals and families enabling them to reach their financial goals and solve their financial problems through financial literacy education, credit counseling, pre and post bankruptcy counseling and education, and comprehensive housing counseling.

Certified Counselors are standing by to assist youCall Today: Feel free to talk with our experienced and qualified counselors about any debt or credit issue. We pledge to offer you our complete attention and quality -counseling to the best of our ability. 1-866-799-2122

Credit Counseling from Consumer Credit and Budget CounselingWhat is Credit Counseling? (or what it should be)
Credit counseling is the process of analyzing your complete financial situation, (your debt, your income, your expenses, your budget and the family balance sheet) then determining the available options, given that situation and the available resources. The counselor then helps weigh those options with the you so that YOU can make an educated and informed decision about the courses of action available to you.

Learn what to do if you experience financial difficulty What are those option?

There are a number of options available to debtor to improve their financial condition. We strive to educate our clients about those options. Budgeting or "Doing it Yourself" is perhaps the best option and we will show you how... Keep Reading

Consumer Credit and Budget Counseling will analyze your budget freeFree Budget Counseling
Budgeting is the foundation of one's financial condition. Consumer Credit and Counseling will analyze your budget and compare it to others in similar situation AT NO COST (or obligation) By submitting our Budget Form you can compare your spending habits to other individuals and families. ! [Sample Budget]

Too much Debt? consumer Credit and Budget counseling will analyze your debt and structure a Debt Management Program for youFree Debt Analysis
Consumer Credit and Budget Counseling will schedule the lowest payment your creditors will allow. There is NO cost, NO obligation and it is COMPLETELY confidential.[Sample DMP]

Too much Debt? consumer Credit and Budget counseling will analyze your debt and structure a Debt Management Program for youFree Financial Literacy Education Program - Consumer Credit and Budget Counseling offers a free course to improve your financial literacy. Start the multimedia presentation here.

Consumer Credit and Budget Counseling provides Confidentaial and Caring Service!NEW PROGRAM!

Consumer Credit and Budget Counseling is now offering Online Homeownership Counseling Certification Program as a convenience to those potential homebuyers whose schedules or circumstances do not allow them to attend regular classes and one-on-one homeownership counseling.


Clients will receive High Quality Professional ServiceHigh Quality Professional Service

We pledge that our clients have the right:
1. To prompt counseling services for managing money, based upon their financial situation
2. To treatment with dignity and respect
3. To be actively involved in a comprehensive assessment of their financial situation, including an appropriate action plan
4. To express dissatisfaction through a Complaint Resolution Process
5. To discontinue their relationship with CC&BC at any time
6. To ask questions and have their concerns addressed


2Privacy Policy - CC&BC respects you privacy - we will not ask for any information we do not need in order to provide the analysis you request. For a Debt Analysis we do NOT want your account numbers nor your Social Security number. Full policy here

Have your financial situation analyzed to determine the best course for your financial futureDownload an Analysis Package
if you are reluctant to give your information online (even though it is secure) we offer forms to fill out and fax to a toll free fax or even mail.

Have your financial situation analyzed to determine the best course for your financial futureForeclosure Options Video - If you are facing FORECLOSURE you should know what options exist.


Customer Service: 866-799-2122


Licensed:Alabama, Colorado, Connecticut, Idaho, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Minnesota, Mississippi, Montana, New Jersey, New York State Department of Banking, Oregon, Pennsylvania, South Carolina, Texas, Vermont, Virginia Wisconsin.
Registered: Alaska, Arkansas, California, Florida, Georgia, Hawaii, Louisiana, Massachusetts, Missouri, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, South Dakota, Washington, Wyoming.
CCBC does not Advertise for, solicit or contract with New Hampshire Customers


Consumer Credit and Budget Counseling
299 South Shore Rd
Marmora, NJ 08223

Affiliations and Memberships

COA AccreditatedHUD Approved AgencyACCProsBBB Member in good standing(c) 2007 - 2011

Phone Numbers:

Housing / Bankruptcy
ph: 888-738-8233
fx: 888-738-8234

Customer Service

Maryland Disclosure:

By entering into an agreement with the Debt Management Services Provider, the consumer authorizes any financial institution in which the licensee has established a trust account for deposit of the consumer’s funds, to disclose to the Commissioner any financial records relating to the trust account during the course of any investigation or examination of the licensee by the Commissioner. The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding Consumer Credit and Budget Counseling Inc. (License #14-70) at 500 North Calvert Street, Room 402, Baltimore, Maryland 21202, phone 1-888-784-0136