What should I expect in a counseling session?
A certified counselor will review your financial situation with you and provide possible solutions. Together, you will develop a spending plan that covers your living expenses and payment to your creditors. Before leaving, your counselor will give you an action plan with steps to move toward your financial stability.
What kind of training does staff receive? All counselors are certified by the National Foundation for Credit Counseling, NeighborWorks America, SC Department of Consumer Affairs, and the GA Department of Community Affairs. All counselors and staff participate in on-going training throughout the year on ways to better serve clients.
It is the policy of the Board of Directors of CCCS that all information received from the client, and the fact that the client is receiving counseling, will remain confidential. Client records are maintained in secured facilities.
What fees does CCCS charge? There is no charge for appointments related to spending plans, managing debt, improving credit, avoiding foreclosure, or home buying counseling. There are fees applied to Reverse Mortgage counseling and participation in the Debt Management Plan. Fees can be waived or reduced due to hardship.Consumer education workshops are provided free of charge throughout the community.
How does CCCS make money? CCCS receives money from various services including grants, client fees, foundations, United Way, contributions from creditors, contracts, and individual donations.