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


Homeownership Counseling

Certification Program

Potential homebuyers who need homeownership counseling certification usually have to take time off or have to rearrange their schedules to take the classes and receive on-on-one counseling. At a time when the potential homebuyer is trying to save every dollar, sometimes this is not the best solution.

Consumer Credit and Budget Counseling has developed this Online Homeownership Counseling Certification Program as a convenience to those potential homebuyers whose schedules or circumstances do not allow them to attend regular classes and one-on-one homeownership counseling.

This course follows the National Industry Standards for Homeownership Education and is 6 hours long, but it can be taken on YOUR schedule.

CC&BC is working with lenders to have them approve CC&BC's online course, however we cannot warrant that your lender will accept the CC&BC Online Homeownership Counseling Certification. Before you signup for this course you should verify that your lender will accept CC&BC's homeownership course and certification.

Understand that this is a full homeownership counseling course and it will take a number of hours (about 6 hours) to complete and while course is online and can be completed at your convenience, the one-on-one counseling is conducted on the phone during regular business hours (Monday through Thursday, 8:00 am to 6:00 pm and Friday 8:00 am to 1:00 pm all times Eastern).

The Process
Step One Call your lender and verify that they accept CC&BC's Program purchase the course here
(Some lenders need you to register for the class to accept the application)
10+ Minutes
Step Two Complete the Affidavit (fill in PDF or Word format)
20 Minutes
Step Three Complete the Budget
20 Minutes
Step Four Get a copy of your credit report online or get one from your lender. Experian is preferred. (if you have difficulty getting your report it is not a requirement)
20 Minutes
Step Five Fax your Affidavit, Budget and Credit Report to 1-888-738-8234
5 Minutes
Step Six CC&BC will email you a link to view the presentation  
Step Seven Print out the presentation guides
5 Minutes
Step Eight

The online course is broken up into 8 segments:

Pre-Test – 20 Minutes
Guide to Homeownership – 16 Minutes
Opening the Door – 29 Minutes –
Knowing and Understanding Credit – 29 Minutes
Homeownership Presentation Chapter 1-5 – 40 Minutes
Borrowing Basics - 29 Minutes
Homeownership Presentation Chapter 6-10 – 50 Minutes
Buried by Debt – 15 Minutes
Post-Test – 20 Minutes

248 Minutes
Step Nine Call a CC&BC housing counselor at 888-738-8233 (Monday through Thursday, 8:00 am to 6:00 pm and Friday 8:00 am to 1:00 pm all times Eastern), who will review your budget and credit and will answer your questions.
45 Minutes
to an Hour
Step Ten Receive the certificate
Estimated total time to complete the course is 6 hours


Customer Service: 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

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