All counseling services at 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.

• Mortgage Payment Program: To those who qualify, the program offers zero-interest loans up to $24,000 to cover your mortgage and related expenses for up to 24 months while you search for or train for a new job. If you live in one of the 50 counties with the highest unemployment, you may be eligible for up to $36,000 over 36 months.

You may be able to get help in one of three ways:

* one-time assistance to bring your mortgage current
* short-term assistance while you are looking for a job
* long-term assistance while you participate in an approved job retraining program

You may qualify for the Mortgage Payment Program if you are:

* unemployed
* earning less than you have in the past
* facing a temporary financial hardship (for example, you have lost income due to divorce, separation, serious illness, or death of a co-signor)
* have a good mortgage payment history prior to your recent income loss or financial hardship
.

• Debt Managment 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.  Click here for a calendar of our classes and workshops. 

To set up an appointment, register for a mortgage triage clinic, or workshop  please call (336) 373-8882 or 1-888-755-2227 or email us at debtdoc@familyservice-piedmont.org.   

A member of our Trust Management Team will set up the next available appointment for you. We offer face to face, phone, mail-in, or Internet counseling. The Trust Management Team will provide directions and information about our services. Our office hours are from 8:30 am — 5:00 p.m. Monday through Friday, evening hours are provided at branch locations for your convenience.   

To receive online counseling (www.debtadvice.org)  

Ask the debt doc a question at debtdoc@familyservice-piedmont.org
�
To receive 24 counseling over the phone: 1-888-755-2227   

If you are interested in attending a workshop please Click here for a calendar of our classes and workshops. Space is always limited.  Reserve your seat now.