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


Helping New Jersey residents

help themselves for 34 years.

 

 

 

<![endif]>

What is CCCS?

We are a New Jersey nonprofit established in 1978 offering financial counseling in English and Spanish.

 

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 by the U.S. Trustee 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.

 

SS
SSL

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 We are approved by HUD to provide reverse mortgage counseling, mortgage default and delinquency, pre-purchase, and rental counseling.

For Housing counseling questions call our office 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?