Those problems can range from minor budgeting difficulties to major concerns that threaten bankruptcy. They may stem from a sudden loss of income, unexpected expenses or uncontrolled spending. Unfortunately, financial difficulties frequently aggravate existing problems and create new ones. People experiencing money troubles are sometimes surprised by how rapidly the situation affects their job performance and personal relationships. CCCS helps people prevent further financial problems by providing instructions in the wise use of credit, budgeting and in family money management.
Counseling is available online , by telephone, and in person - in Spanish and in English.
To take this important first step just pick an option which best suits your needs. To realistically assess your financial situation, you need to develop a complete picture of your income and expenditure. Complete our debt and income worksheets to determine your debt to income ratio. Take the CCCS Debt Test. If you answered yes to three or more of these statements you have a serious debt problem and should contact a professional credit counselor.