Consumer Credit Counseling Service provides credit counseling and you are not charged a fee for this service. During the counseling appointment a certified credit counselor will help you develop a realistic spending plan. Your concerns will be addressed and a list of options will be developed so you have the information and tools necessary to address your money management issues.
My Money Checkup
Consumer Credit Counseling Service is a member of the National Foundation for Credit Counseling. The NFCC has recently launched a financial on-line assessment tool, MyMoneyCheckUp. You can receive financial tips and learn where you might make changes in your financial plan. Nothing beats coming into CCCS to discuss your finances with a certified credit coach, and we recommend you do that once you have completed your MyMoneyCheckup. To learn more, follow this link.
Do I have to be in debt to come for counseling?
No. Clients can benefit from meeting with a counselor, developing an individualized budget and receiving information and advice from a credit professional.
What happens during the counseling session?
During the one hour counseling session you will meet in a confidential setting with a certified counselor. You will share your concerns and the reasons for your financial situation. The counselor will review your current financial situation including your income and expenses. A list of options will be developed which might include ways to increase income or decrease expenses, changes to your lifestyle or referrals to community resources. Based on your unique situation an action plan will be created to address your issues.
Could one of the options be a Debt Management Plan?
Yes. One of the options might be enrollment in the Debt Management Program (DMP). The counselor will provide information and details on the DMP and whether or not it is a viable option for you. Click here to read more about what a DMP is.
Why should I choose CCCS?
The Agency is a community-based organization that has been helping local people for 40 years. It is accredited by the Council on Accreditation, a member of the National Foundation for Credit Counseling, a Jackson County United Way Agency and has received the highest rating by the Better Business Bureau. All counselors are certified and experienced.
Do you offer counseling only in person?
We offer counseling in person at our office in Medford. We also provide counseling by phone, mail, and e-mail for residents of Oregon and California outside of our driving area.
Do I need an appointment?
Yes. Counseling is by appointment only.
What do I need to bring to my appointment? You are asked to complete a worksheet that provides the counselor with your budget and a list of your creditors.You can get a copy of that worksheet by clicking here. You will bring that completed worksheet along with a copy of your most recent creditor statements when you come to your appointment.
Everyone's situation is different. And nothing beats talking to a certified credit counselor face to face to ask your own personal questions. But we have complied some questions that we get asked often. Here's a sample:
Q: I have no debt except a Visa card, which is paid off monthly. Does it make financial sense to carry more debt so I'll be able to get credit in the future? I find it hard to carry debt when I don't need to, even though it might improve my credit score.
For answers to this and some other questions, follow this link.