CC&BC - Who We Are

Consumer Credit and Budget Counseling, Inc. is a nonprofit consumer education and financial counseling agency. Our purpose is 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.

Consumer Credit and Budget Counseling, Inc. is committed to promoting consumer education, and provides a number of conferences and seminars on budgeting, credit, and debt management, within the community, as well as nationally through our web site. We publish a wide array of materials, providing educational and technical assistance on credit and budget management.

As a HUD approved housing counselor, CC&BC has contracted with a number of Public Housing Authorities to offer comprehensive homeownership counseling. CC&BC also provides the required homeownership counseling for many First Time Homeownership grant programs.

Consumer Credit and Budget Counseling, Inc. is approved by the United States Trustee Program to provide pre-filing credit counseling as well as Debtors Education for New Jersey and New York bankruptcy filers. Under this program CC&BC offers a personal financial education and counseling on the alternatives to resolve credit problems, analyzes the client's budget, their current financial condition, the factors that caused such financial condition, and how the client can develop a plan to respond to the problems without incurring negative amortization of debt.

Qualification	Description	Organization
Licensed	Debt Adjuster	New Jersey, Department of Banking and Insurance
	Debt Adjuster	Vermont, Department of Banking Insurance, Security & HCA
	Debt Management Service	Maine, Department of Professional & Financial Regulation
	Budget Planner	New York, Banking Department
	Credit Counselor	Virginia, Bureau of Financial Institutions
	Debt Adjuster	Connecticut, Department of Banking
Registered	Debt Adjuster	Georgia, Office of Consumer Affairs
	Community Service Organization	California, Department of Corporations
	Credit Counselor	Massachusetts, Secretary of the Commonwealth
Accredited	Financial Management & Debt Counseling Service	COA Council on Accreditation for Children and Family Services
Certified	Comprehensive Housing Counseling	U.S. Department of Housing and Urban Development (HUD)
Approved	501 (c) (3) Nonprofit	U.S. Department of the Treasury, Internal Revenue Service
	Pre-Bankruptcy Counseling	U.S. Department of Justice – Trustee Division
	Debtors Education	U.S. Department of Justice – Trustee Division
	Homeownership Counseling	Federal Home Loan Bank of New York
	Homeownership Counseling	New Jersey Housing & Mortgage Finance Agency
Member	In Good Standing	Better Business Bureau & Better Business Bureau Online
Member	Advisory Board	American Association of Debt Management Organizations

Who We Are

Public Documents