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What is CCCS?

We are a non-profit agency established in 1978 offering many types of financial counseling:    Credit Counseling We are licensed by the New Jersey Division of Banking to provide credit counseling and debt repayment programs. Pre-Filing Bankruptcy Counseling and Pre-Discharge Bankruptcy Education OnLine  We are approved to issue certificates in compliance with the Bankruptcy Code. Call us for details(Approval does not endorse or assure the quality of an Agency's services.) CLICK HERE to download forms and instructions for Pre-filing Bankruptcy Counseling. CLICK HERE to download the form and instructions to register for the Pre-Discharge Bankruptcy Education Course or call us at 888-726-3260 if you have questions.   SSL

For Credit counseling browse our website and fill out the online form.  We will negotiate with your creditors to reduce or eliminate interest charges and create a personalized debt repayment plan for you.

Free Housing Counseling including mortgage default and delinquency, pre-purchase, and rental counseling

For Housing counseling questions call our receptionist toll free at 1-888-726-3260  for information.    

CLICK HERE to download forms and instructions for Foreclosure Prevention Counseling.