185 Ridgedale Avenue • Cedar Knolls, New Jersey 07927-1812
Toll Free: (888) 726-3260 • Fax: (973) 267-0484


We have been helping people

help themselves since 1978.

 

 

 

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What is CCCS?

We are a non-profit agency established in 1978 offering many types of financial

counseling: 

 

Credit Counseling We are licensed by the New Jersey Division of Banking to provide credit counseling and debt repayment programs.

Pre-Filing Bankruptcy Counseling and Pre-Discharge Bankruptcy Education OnLine  We are approved to issue certificates in compliance with the Bankruptcy Code. Call us for details(Approval does not endorse or assure the quality of an Agency's services.)

1. CLICK HERE to download forms and instructions for Pre-filing Bankruptcy Counseling.

2. CLICK HERE to download the form and instructions to register for the Pre-Discharge Bankruptcy Education Course or call us at 888-726-3260 if you have questions.

 

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3. CLICK HERE to download forms and instructions for Credit Counseling.

We will negotiate with your creditors to reduce or eliminate interest charges and create a personalized debt repayment plan for you.

Free Housing Counseling including mortgage default and delinquency, pre-purchase, and rental counseling

For Housing counseling questions call our receptionist toll free at 1-888-726-3260  for information.    

4. CLICK HERE to download forms and instructions for Foreclosure Prevention Counseling.

How does CCCS help you?

How do I make an appointment?

Is there a fee for this service?

Our Service and Privacy Policy

How? Where? When?

Who supports the service?

What do we expect from our clients?

What services are provided?

CLICK HERE to see our Annual Report and Performance and Quality Improvement Program.