Financial counseling for debt, first time home buyer, mortgage, housing, Reverse Mortgages

Get the Help you need

Consumer Credit and Budget Counseling d/b/a National Foundation for Debt Management is a non-profit nationwide Credit Counseling Agency and a Premier Multi-State HUD housing counseling agency with offices in New Jersey and Florida. 

Online Housing Counseling Services

Online Homebuyer Certification Class

Online Homebuyer Certification Class

Online Homebuyer Certification Class

Online home buyer education and counseling certification class

We offer  Online Homeownership Housing Counseling and Education Certification Program as a convenience to those potential home buyers whose schedules or circumstances do not allow them to attend regular classes and one-on-one home ownership counseling.

NJ Foreclosure Mediation

Online Homebuyer Certification Class

Online Homebuyer Certification Class

Mediation for Foreclosed Home

Mediation can save a home from foreclosure, yet many homeowners enter the foreclosure process with their mortgage lender without an understanding of the type of relief that may be available to them. CCBC is there to help you navigate the Foreclosure Mediation Program, and the service is FREE.

Reverse Mortgage Counseling Appointment

Online Landlord Education Certification Class

Online Landlord Education Certification Class

Book your Reverse Mortgage Counseling certificate online

Push Button, Get Reverse Mortgage Housing Counseling

Book your appointment online, Today!

We know that a reverse mortgage is a BIG decision and you want to make sure you have all the information required to make an informed decision regarding a reverse mortgage. 

Online Landlord Education Certification Class

Online Landlord Education Certification Class

Online Landlord Education Certification Class

Online Landlord Certification class

We offer an easy and convenient online housing counseling course, that meets your lender's requirement for Landlord Education Certification.


Credit and Budget Counseling

Is Credit Card Debt Holding You Back?

Credit card debt tends to cause problems for consumers because the bill requirements increase right alongside rising debt levels. If more and more of each paycheck is going to paying off credit card debt and you don’t really seem to get anywhere, NFDM can help you develop a customized debt management plan to eliminate debt so you can regain your financial control.


Cut your monthly debt payments, improve your budget

A debt management plan can significantly reduce the amount of money you spend every month on credit card debt. You have more money available to cover other expenses in your budget and even to save up for a rainy day.


Reduce or eliminate high interest charges and penalties

We’ll negotiate with your creditors to waive any penalties that have been applied to your accounts, as well as to reduce or completely eliminate your interest rates. You can get out of debt faster, even though you pay less each month.



Debt Management Program - young couple working on their budget

Get the help you need now!

Debt Management Programs are offered by our National Foundation for Debt Management Division

Do you feel as though you are struggling to stay on top of your finances? Is Credit Counseling right for you. 


When you enroll in NFDM’s debt management program, you will have the opportunity to work with a certified credit counselor. Our debt management expert will walk you through a customized solution to your financial difficulties.


Foundation members who enroll in NFDM’s debt management program may also benefit from the following:

  • Consolidation of multiple monthly payments into a single payment
  • Reduction of interest rates on money owed to creditors
  • Reduction or elimination of late charges and other fees
  • Improved understanding of issues related to money management


Ready to enroll? If yes, please visit the Enroll Me section of our nfdm.org Web site to get started.


Not sure? The financial analysis tools in this section of the web site should help you decide if your financial situation warrants enrollment in a debt management program. If, after that, you’re still not sure, give us a call at 800.352.8984.

Coronavirus (COVID-19) Debt Management Program Update

As the situation with coronavirus (COVID-19) continues to develop, our  entire team is standing by to support you. We are doing all we can to make sure our operations remain open. Currently our call centers are fully staffed. Due in part to our seasonal hurricane preparations, as well as our attention to this situation, our sophisticated phone and computer systems allow us to work remotely seamlessly, with little impact to the quality of our services. If the decision is made to increase workplace restrictions, our staff are ready and prepared.
 

   You can count on us at times like this.
 

   We also want you to have confidence that you can still access your account and communicate with us through the member portal. If you are not already enrolled please do so today at https://members.nfdm.org/.
 

   Through the link you can: 

  • Update your personal details
  • Access your accounts and be able to see creditor account information
  • Track upcoming payments due on your accounts
  • Communicate with our specialized Client Service Teams by submitting questions 24/7


If you are not already enrolled in our AutoPay program, this is an excellent time to do so. This will eliminate     the need for trips to the bank or Western Union locations. You may find enrollment information on our members portal or contact our client service team at 1-866-799-2122.     
 

   At this time our office remains open and available to our local clients, but please know that if you prefer, you can also call us during business hours. We’ve ensured that our office, including our drop boxes are cleaned frequently and we have hand sanitizer available in our lobby.
 

   If you’ve been affected by COVID-19 and need help with your account, please call us at 1-866-799-2122  or visit our portal. We will do all we can to work with your creditors during this time. If you have friends or family who need help, please refer them to our counseling team who will provide professional counseling and solutions for their situation.
 

   Remember, if we reach out to you, we are trying to inform you or obtain important information to keep your account on track. Kindly return our phone calls promptly.
 

   For the latest information about coronavirus, visit the CDC’s resource center at https://www.cdc.gov/coronavirus/2019-nCoV/index.html.     
 

   Thank you,
 

   Judy Sorensen, President 

Memberships, Accreditation and Certifications

HUD Approved Multi State Agency
Better Business Bureau A+ Rated
Financial Counseling Association of America
Counsel on Accreditation

Consumer Credit and Budget Counseling

Consumer Credit and Budget Counseling Inc. d/b/a National Foundation for Debt Management

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 .

Required Notices

  •  CCBC does not Advertise for, solicit or contract with New Hampshire Customers.
  • We are not a loan company. We do not lend money. 

Phone Numbers

  • Debt Management Counselors P:800.344.5153 or 727.254.5353 F:888.294.5487
  • DMP Customer Service P:866.799.2122 F:954.545.9115
  • FL Housing P:800.344.5153 or 727.254.5353 F:888.294.5487
  • NJ Housing P:888.738.8233 or 609.390.9653 fx:888.738.8234
  • Reverse Mortgage Counselors P:800.344.5153 or 727.254.5353 F:888.294.5487 

Offices

  • 299 South Shore Rd - US Rte 9 So. Marmora, NJ 08223
  • 14104 58th Street North, Clearwater, FL 33760
  • 26 Park Street, Ste 2000, Montclair NJ 07042