Premier Credit and Housing Counseling Agency


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

(844) 458-1857

Collage of mortgage terms


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 Homebuyer
Certification Class

Couple looking at a house

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

House with foreclosure sign on lawn

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

Elderly couple smiling

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

2-story house

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

Credit Preparation for

Couple studying

With your Mortgage Broker we help you balance the scales of bad credit by engineering your score using state of the art credit tools and “What If” generators to get you the best score possible to qualify for the loan you can afford.


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.

Couple dealing with the headache of debt
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 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 (844) 458-1857.

Memberships, Accreditation and Certifications

HUD logo
BBB A+ Rating Logo
FCAA logo
Council on Acreditation Logo




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.


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 


  • 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