NOW Get Counseling Online Budget Counseling Confidential Budget Counseling is available by making an appointment to meet with one of our professional counselors either in-person, at one of our eighteen locations throughout New Hampshire and Vermont, or by telephone. The counselor helps each client identify and account for all regular living expenses, plan for periodic expenses and reviews their debts to determine the best course of action to resolve their financial difficulties.
All counseling is provided free of charge .
Some clients require more than just Budget Counseling. Further assistance may include establishing a program of orderly debt liquidation. The client makes a monthly deposit with the agency and CCCS disburses those funds to the creditors. Our Debt Management Programs are voluntary programs that serve the dual role of helping the consumer repay debts and aiding the creditors in receiving the money owed them. CCCS is not a collection agency.