What services does Consumer Credit Counseling provide?
Budget Counseling: This is a preventative service for people who are not seriously in debt, but who need help in budgeting and money management skills.
Voluntary Debt Management: This is a service for people who are more seriously in debt. They may be facing garnishments, evictions, repossession or may be contemplating some form of bankruptcy. Clients who participate in this program, agree voluntarily to deposit funds with Consumer Credit Counseling Service. These funds are then disbursed monthly to their creditors, who voluntarily cooperate with the plan. Our debt management plan helps clients regain control of their life, self-esteem and avoid bankruptcy. If you would like to begin voluntary debt management you can do so by clicking the link below and filling out the online forms.
Financial Fitness Worksheets
Consumer Education: Consumer Credit Counseling Service provides community workshops and seminars on money management, budgeting, wise use of credit and other topics of interest. Our community education programs are available to anyone including churches, community groups or companies who are concerned about their employees. For more information contact our office in Chattanooga at (423) 490-5620 or Huntsville at (256) 881-1000.
Housing Counseling: Consumer Credit Counseling provides guidance to homeowners, home buyers and renters through community seminars and individual counseling sessions.
Pre-bankruptcy Counseling:
Pre-bankruptcy Worksheets
Consumer Credit Counseling Service helps:
Individuals
- Learn budget planning
- Acquire money management skills
- Receive confidential credit counseling
- Benefit from voluntary debt management plans when appropriate
Creditors
- Receive regular monthly payments
- Reduce losses from uncollected consumer debt
- Eliminate collection costs
Employers
- Reduction in garnishments
- Educational programs for employees
- Benefit from a legitimate referral source
- Experience improved employee performance
