Debt settlement companies target financially distressed people and offer to negotiate with creditors on their behalf. These companies do this in an attempt to reach a lump sum settlement for less than the full amount owed. But, this practice exposes…
Many banks and credit unions offer overdraft programs. An overdraft occurs when you don’t have enough money in your account to cover a transaction, but the bank covers the transaction. These transactions can include ATM withdrawals or debit card purchases.…
If you are facing foreclosure, it is important that you take action today. Contact your mortgage lender to find options to avoid losing your home. Agencies like CCCS can help you explore your options and communicate with your mortgage company.…
Enrolling in direct deposit can help you save more money. Follow these steps to start saving money through direct deposits: Use your direct deposit program to send a separate deposit to your savings account. Don’t remove money from your savings…
Avoid Identify Theft by using these five methods: To avoid identity theft, try these five tips: Shred financial documents and paperwork with personal information before you discard them. Keep your personal information in a secure place. Review your bank and…
The CFPB’s mortgage initiative helps consumers understand their loan options, shop for the mortgage that’s best for them, and avoid costly surprises at the closing table. The Know Before You Owe mortgage disclosure rule replaces four disclosure forms with two…
Many students cannot afford to go to college without federal student loans. First, potential college students should apply for financial aid at Then, students should review their financial aid award letter to see what loans they can get. The…
At Consumer Credit Counseling Services, we believe in taking care of our environment. Additionally, we believe a greener workplace means a more productive workplace. CCCS’ AmeriCorps VISTA, Catrice Hellen, created the Go Green Initiative on May 18, 2015. Since then,…
If you are looking for a mortgage modification or you need help with an impending Foreclosure, you should work with a HUD-approved counseling agency. In fact, CCCS is a HUD-approved counseling agency and we can offer help. CCCS can determine…
Here are a few tips on how to start talking to your kids about money management: Start early and start soon. When your child becomes interested in coins or cash, give them a toy bank and have her practice putting…