CCCS of Greater Greensboro is a division of Family Service of the Piedmont. Our goal is to assist families and individuals resolve financial problems by avoiding bankruptcy through budget counseling, credit counseling, housing counseling, and debt solver programs. Through these efforts we can help you to achieve your financial goals and regain a sense of financial well being. All counseling services through CCCS of Greater Greensboro are free of charge.

CCCS offers:

• Professional Advice: all of our counselors are nationally certified by the National Foundation for Credit Counseling.
• Budget Counseling: to establish and meet financial goals through savings, and manage spending for basic expenses.
• Credit Counseling: to help families establish good credit, choose the right credit, and use credit wisely.
• Housing Counseling and Education: we are a HUD certified housing counseling agency providing advice before and after you buy your home, default resolution counseling, and reverse mortgage counseling.
• Debt Management Program: a viable alternative to bankruptcy, providing a consolidated and responsible way to pay creditors and become debt free within 48-60 months.
• Free workshops each month to help build a financially healthy community.

Understanding the IMPACT of Financial Difficulty

On Families: Families with poor money management pay too much for credit, make poor purchasing decisions, and cannot adjust to income disruptions or job loss. There is a potential loss of personal possessions (repossessions by creditors), and the ability to get credit in emergencies. There is a lost opportunity for home ownership, personal improvement (education), and investment. Arguments over money break down family communications, and often trigger counter productive behaviors such as substance abuse.

On Society: Increasing losses due to default and bankruptcy force creditors to raise the cost of credit to those who do pay on time. Separation and divorce over money issues results in single parent households with a higher likelihood of poverty and significant repercussions for children.

In 2000, more than 4,750 individuals and families in financial stress sought assistance from the agency. More than 2,850 received counseling. And $4,883,529.19 in debt was repaid from among those enrolled in Debt Solver Programs.