- Create and/or develop a household budget
- Access and understand your personal credit report
- Eliminate credit debt through a personalized debt management program (creditors typically reduce interest, minimum payments and fees through this program!)
- Attend financial literacy classes in the community
- Set financial goals for the future and a plan to achieve those goals
- Complete required bankruptcy credit counseling and education certification
Through the Strategies for Attaining Financial Empowerment ($AFE) program, CCCS also provides educational programs to consumers on budgeting, credit worthiness and help to understand credit bureau reporting.
Consumers meet with a financial counselor and can actively participate in their financial future. These programs are available to individuals, groups, churches, employers and organizations at no charge. CCCS also provides classes tailored to meet the specific needs of a group. CCCS is a certified member of the National Foundation for Credit Counseling (www.nfcc.org).