Your Educational Source Consumer Credit and Budget Counseling, Inc

 
CC&BC is your home for Credit Counseling and Education
Free debt and budget analysis
Frequently Asked Questions
Your source for finanacial literacy education
Client access to tools to manage your account
Contact us for your financial counseling and educational needs

Learn how to better manage your finances Experienced and Certified Counselors to answer your questions Is your budget is balance or are you struggleing every month? Get your budget analyzed by a Certified Counselor who will compre it to others in similar situations No Cost / No Obligation / Completeley Confidential Analysis of your Debt Situation
Learn the basics about how to buy a homeLearn how to reduce your payments and lower your interest ratesLearn how to budget and manage your financesRequired credit counseling and debtor education for bankruptcy


Bankruptcy


The right to file bankruptcy is an important tool which society provides for those with significant debt problems. It is often stated that bankruptcy should be considered as a “last resort” for financially troubled consumers.  Bankruptcy should be neither the first option nor the last resort.  Each case must be examined on its own merits.

Although bankruptcy is not a magical cure, it is an important alternative for a range of financial problems.  Bankruptcy may provide immediate protection, particularly for individuals facing foreclosure or repossession of property.  Even those who are not in short term danger of repossession or foreclosure may often decide upon bankruptcy simply for the relief of having debts erased in order to get a fresh financial start.

Consumer Credit and Budget Counseling offers both the required Pre-Bankruptcy credit counseling and the Post-Bankruptcy Debtor's Education.

If you are considering Bankruptcy, or have seen a lawyer and he/she has advised you about your need for PreBankruptcy Credit Counseling Certificate, please choose PreBankruptcy counseling. This session will examine the alternatives to Bankruptcy and help you develop a workable budget.

Next, when you have filed for Bankruptcy protection and received a case number, you will be advised to get Pre-Discharge Debtors Education. This required course is intended to help you avoid financial difficulties in the future.


Credit Counseling for Bankruptcy filers
The pre-petition briefing and credit counseling session required
to file for protection under the Bankruptcy Code.

Approved Districts for PreBankruptcy Counseling:

• Alaska • Arizona (E&W) • Arkansas • California (C,E,N&S) • Connecticut • Florida (N,M& S) • Georgia (N,M&S) • Hawaii • Idaho • Illinois (C,N&S) • Indiana (N&S) • Iowa (N&S) • Kansas • Kentucky (E&W) • Louisiana (E,M&W) • Maine • Maryland • Massachusetts • Minnesota • Mississippi (N&S) • Missouri (E&W) • Montana • Nevada • New Hampshire • New Jersey • New Mexico • New York (E,N,S&W) • North Dakota • Ohio (N&S) • Oklahoma (E,N&W) • Oregon • Pennsylvania (E,M&W) • South Carolina • South Dakota • Tennessee (E,M&W) • Texas (E,S,N&W) • Utah • Vermont • Virginia (E&W) • Washington (E&W) • West Virginia (N&S) • Wisconsin (E&W) • Wyoming

 

Call 1-888-738-8233 or log-on to www.PreBankruptcy.org

 

 

Debtors Education
 The Personal Financial Management Course an individual
must receive before discharging debts under the Bankruptcy Code.

Approved in ALL States

(Excluding Guam, Puerto Rico, Northern Mariana Islands and Virgin Islands)

Approved in: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Call 1-888-738-8233 or log-on to www.PostBankruptcy.org

 

You may find it useful to read the FTC's brochure, produced in cooperation with the USTP, entitled Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education.
 

Customer Service: admin@ccbcinfo.org 866-799-2122
 
 

Licensed:Alabama, Colorado, Connecticut, Idaho, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Minnesota, Mississippi, Montana, New Jersey, New York State Department of Banking, Oregon, Pennsylvania, South Carolina, Texas, Vermont, Virginia Wisconsin.
Registered: Alaska, Arkansas, California, Florida, Georgia, Hawaii, Louisiana, Massachusetts, Missouri, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, South Dakota, Washington, Wyoming.
CCBC does not Advertise for, solicit or contract with New Hampshire Customers
 
 

Consumer Credit and Budget Counseling
299 South Shore Rd
Marmora, NJ 08223

Affiliations and Memberships

COA AccreditatedHUD Approved AgencyACCProsBBB Member in good standing(c) 2007 - 2011

Phone Numbers:

Housing / Bankruptcy
ph: 888-738-8233
fx: 888-738-8234

Customer Service
ph:866-799-2122
fx:954-545-9115

Maryland Disclosure:

By entering into an agreement with the Debt Management Services Provider, the consumer authorizes any financial institution in which the licensee has established a trust account for deposit of the consumer’s funds, to disclose to the Commissioner any financial records relating to the trust account during the course of any investigation or examination of the licensee by the Commissioner. The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding Consumer Credit and Budget Counseling Inc. (License #14-70) at 500 North Calvert Street, Room 402, Baltimore, Maryland 21202, phone 1-888-784-0136