| Since 1980, Consumer Credit Counseling Service (CCCS), a local,
non-profit credit counseling agency, has helped thousands of Miami
Valley residents solve their credit and debt problems. Our certified
credit counselors can show you how to take control of your money and
achieve your financial goals. CCCS is a program of Lutheran Social
Services of Mid-America and a member of the National Foundation for
Credit Counseling. We are accredited by The Council on
Accreditation, a HUD approved housing counseling agency, and funded
by United Way.
Counseling Services
The first step in getting out from under your
financial burdens and becoming debt free is to call us for a
confidential appointment. At your appointment, our professional,
certified counselors assess your financial situation and help you
develop a lean but livable budget. As the only local
credit-counseling agency in the Miami Valley, you have your choice
of in-person, telephone, or Internet counseling. So, if you feel
you are getting overextended, give us a call. We can’t help you if
you wait too long.
Debt Management Program
You may find that our Debt Management Program
(DMP) is right for you. We work with your creditors to reduce your
monthly payments and interest charges. Some creditors will allow us
to “re-age” your account, which may stop late fees and other charges
on your accounts. By negotiating these items on your behalf, CCCS
is often able to provide you with more affordable payments and a
shorter payoff period. Our DMP will combine all your obligations
into one payment which we will disburse directly to your creditors.
Your payments to CCCS can be made by bank check or money order, or
you can use our Automatic Deposit Service to deduct your payment
directly from your checking or savings account. This service will
insure your payments are here on time – every time.
Credit Report Reviews
Do you know what your credit report says about
you? We can help uncover the mystery of your credit report. These
confidential sessions will explain your credit report, help you
identify and address any problems and show you how to protect
yourself from identity theft.
Consumer Education Programs
Learn more about a wide variety of consumer
financial topics through our educational programs. A large selection
of classroom and community presentations covering topics like
budgeting, credit, debt management and banking basics is available.
Reverse Mortgages
If you are over the age of 62, learn to use
the equity in your home to supplement your income and achieve
financial security. Our experienced counselors can explain the
options and the pros and cons of each.
Default Counseling
Bring your mortgage up-to-date and keep it
that way. Through individual counseling sessions we’ll help you
explore all the possible solutions to prevent losing your home and
analyze your cash flow to see how your income stacks up against your
expenses. We’ll try to negotiate a solution with your loan provider.
And we’ll help you prioritize your debts to avoid a situation like
this in the future.
Can you pass the debt test?
How do you know how much debt is too much?
Take our debt test to assess your financial health.
· Do you lack a savings account or money
for emergencies?
· Are you using credit cards to buy things
you used to pay for with cash?
· Are one or more of your credit cards at
or near the limit?
· Are you only able to make the minimum
payment on your credit cards?
· Are you unsure about how much you owe?
· Is an increasing percentage of your
monthly income going to pay off debts?
· Are you 30 days behind with any of your
creditors?
· Have you written post-dated or
insufficient funds checks to get a creditor off your back?
· If you lost your job would you have
immediate financial problems?
· Do you use cash advances to pay other
credit cards?
A “yes” answer to two or more questions
indicates you may benefit from credit counseling.
Our location:
113 N. Ohio St., Suite 202
Sidney, Ohio 45365
(937) 492-1953
(800) 377-2432 |
