All Community Credit Counseling Services Credit Counselors maintain an Accredited Credit Counselor Certification provided through the Association for Financial Counseling and Planning Education (AFCPE).
Community Credit Counseling Services, as a non-profit, is supported by contributions from clients, creditors, private individuals, grants and other donations. These sources of income include but are not limited to grant funding, fair share contributions, private donations, and fee-for-service programs.
Fees for Counseling Sessions: The initial counseling session will be provided for a cost up to $50.00. If a client enrolls in a Debt Management Plan this fee may be waived. If additional counseling sessions are requested, the Credit Counselor will let the client know the fee(s) prior to the second meeting. The fee(s) is based on the type and amount of work required by the Credit Counselor. These fees are paid directly by the client. All fees are disclosed in writing prior to enrollment in any of our programs. Counseling Sessions are provided regardless of ability to pay. If you are receiving your Bankruptcy Filing pro-bono, or if your sole source of income is disability or social security, this fee may be waived.
Community Credit Counseling Services does not provide legal advice. Any information received from our office should not be considered legal advice.
If you enroll in a Debt Management Program, it will impact your credit file. Your accounts will be frozen and an entry can be posted to your individual accounts on your credit report by the creditor. Community Credit Counseling Services, as a credit counseling agency, does not report any information directly to any credit bureau.
Completing the pre-filing bankruptcy credit counseling course has no impact on a client’s credit report, as Community Credit Counseling Services does not report any information to any credit bureau.
Community Credit Counseling Services will act as a liaison between our clients that are enrolled in our Debt Management Program and their creditors. Upon request, we may also act as a liaison between clients enrolled in Financial Counseling Sessions and their creditors. We cannot be held responsible for any errors on the client’s behalf or for any errors on the creditor's behalf.
There will be a return check fee of $25.00 for any returned checks or insufficient funds on automatic withdrawals. Checks must be replaced by cash or cashier's check in 24 hours.
The Certificate you will receive is valid for 180 days from the date of your counseling session. After the 180 days, if you have not filed, you will need to take the counseling session again.
It is the clients' responsibility to follow up with his/her attorney to verify receipt of the certificate and filing of the certificate with the court.
