Our Services

  • Financial Counseling

    • Confidential Budget Counseling

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        1. Our certified credit counselors will help you analyze your complete financial situation, including your debt, income, and expenses, and help you determine your available options. They will help you set up a spending plan, share money saving tips, and connect you to community resources. Appointments are available for in-person or telephone counseling, day or evening. Click here to make an appointment. Click here to begin a budget online.

         

    • Debt Management Plan

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        1. If part of your financial trouble stems from unsecured debt, or an inability to repay debt, CCCS offers a Debt Management Plan program (DMP). A DMP might be a good option if you find you are having trouble making your payments and are incurring late or over-the-limit fees and collection calls. A DMP is a debt repayment program in which you make one monthly payment through our agency that we then disburse to your creditors. Click here to take our Financial Fitness Quiz.

         

    • Bankruptcy

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        1. CCCS is a pre-file bankruptcy counseling and pre-discharge debtor education provider. According to federal regulation, individuals must file a certificate of pre-file bankruptcy counseling when they file for bankruptcy and evidence of completion of debtor education after they file—before debts are discharged. Click here to learn more about our Bankruptcy services.

         

  • Housing Counseling

    • Mortgage Delinquency and Foreclosure Prevention Counseling

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        1. CCCS offers counseling for homeowners in financial distress, those who are behind on mortgage payments, or those facing interest rate resets. CCCS of Maryland & Delaware can help homeowners assess their situation, organize their finances, and work with lenders to develop a plan to address the mortgage issue.

         

    • Reverse Mortgage Counseling

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        1. CCCS provides counseling to older adults who seek to convert equity in their homes into income. Reverse Mortgages may help people who are at least 62 years old that live in their home for the majority of the year supplement their retirement income to pay for things like home repairs, prescriptions, and medical care. Our counselors will help you decide if a Reverse Mortgage is right for you. Counseling is provided for eligible borrows in every state except Massachusetts and South Carolina.

         

    • Online Homebuyer Pre-Purchase Certificate Program

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        1. To register for the course, click here.
        2. CCCS' Online Homebuyer Pre-Purchase Certificate Program is HUD compliant and meet the requirements for FHA Loans and other organizations. All housing services provided also fulfil the requirements of the National Industry Standard for Homeownership Education and Counseling.

         

    • Pre-Purchase Homebuyers Counseling

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        1. CCCS’s pre-purchase group education workshops and one-on-one counseling help prospective homeowners qualify for a mortgage, apply successfully, and thrive as homeowners. A HUD approved eight hour workshop, offered on Saturdays, is currently available at our Catonsville, Maryland office and our Dover, Delaware office. Workshop attendees are offered two one-on-one counseling sessions in the 12 month period following the workshop. In addition to our eight-hour pre-purchase homebuyers course CCCS offers a four hour Homebuyers Financial Literacy Class. This class is for lender referred clients only.

         

  • Community Education

    • Educational Seminars

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        1. CCCS provides educational workshops to a wide variety of local nonprofits, universities, government agencies, and for-profit businesses. Popular topics include: Budgeting and Money Management, Establishing Credit, Understanding Credit Reports, and Using Credit Wisely. Click here for online Educational Resources.

         

  • Online Education

    • Online Homebuyers Pre-Purchase Certificate Program

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        1. To register for the course, click here.

          CCCS' Online Homebuyer Pre-Purchase Certificate Program is HUD compliant and meet the requirements for FHA Loans and other organizations. All housing services provided also fulfil the requirements of the National Industry Standard for Homeownership Education and Counseling.

         

    • Bankruptcy Education (Pre-file and Pre-Discharge)

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        1. CCCS is a pre-file bankruptcy counseling and pre-discharge debtor education provider. According to federal regulation, individuals must file a certificate of pre-file bankruptcy counseling when they file for bankruptcy and evidence of completion of debtor education after they file—before debts are discharged. Click here to learn more about our Bankruptcy services.