185 Ridgedale Ave, Cedar Knolls, New Jersey 07927
Toll Free: (888) 726-3260 Fax: (973) 267-0484

We are so much more than credit counseling.





What is CCCS?

We are a New Jersey nonprofit established in 1978 offering the following services:


Comprehensive Financial Reviews 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   We are approved by the U.S. Trustee to issue certificates in compliance with the Bankruptcy Code. Call us for details. Nosotros proveemos Consejeria de Bancarrota y el Curso de Educacion de Bancarrota en espanol. (Approval does not endorse or assure the quality of an Agency's other services.)

1. CLICK HERE to download forms and instructions for Pre-filing Bankruptcy Counseling.

2. 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.


Click for the BBB Business Review of this Credit & Debt Counseling in Cedar Knolls NJ

National Foundation for Credit Counseling US Department of Housing & Urban Development Council on Accreditation


3. CLICK HERE to download forms and instructions for a Financial Review.

Our National Certified Financial Professionals will provide a financial review and a personalized action plan to improve your financial tomorrow.

Housing Counseling We are approved by HUD to provide reverse mortgage counseling, mortgage default and delinquency, pre-purchase, and rental counseling.

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

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

How does CCCS help you?

How do I make an appointment?

Is there a fee for these services?

Our Service and Privacy Policy

How? Where? When?

Who supports the service?

What do we expect from our clients?

What services are provided?


CLICK HERE to start MyMoneyCheckup

CLICK HERE to see our Annual Report and Performance and Quality Improvement Program.