Consumer Credit and Budget Counseling

Who We Are

Consumer Credit and Budget Counseling, Inc. is a nonprofit consumer education and financial counseling agency.  Our mission is to assist individuals and families with their financial and credit problems through confidential budget planning, debt management, credit counseling and structured debt liquidation, and to provide comprehensive pre-purchase homeownership counseling and education.

 

Consumer Credit and Budget Counseling, Inc. is committed to promoting consumer education, and provides a number of conferences and seminars on budgeting, credit, and debt management, within the community, as well as nationally through our web site. We publish a wide array of materials, providing educational and technical assistance on credit and budget management.

 

As a HUD approved housing counselor, CC&BC has contracted with a number of Public Housing Authorities to offer comprehensive homeownership counseling.  CC&BC also provides the required homeownership counseling for many First Time Homeownership grant programs.

 

Consumer Credit and Budget Counseling, Inc. is approved by the United States Trustee Program to provide pre-filing credit counseling for New Jersey bankruptcy filers.  Under this program CC&BC offers counseling on the alternatives to resolve credit problems, analyzes the client's budget, their current financial condition, the factors that caused such financial condition, and how the client can develop a plan to respond to the problems without incurring negative amortization of debt.

Contact Info:

Address:

299 South Shore Road

US Route 9 South

Marmora, New Jersey 08223

 

Phone:

609-390-9652

888-738-8233

 

Fax:

609-390-9653

888-738-8234

 

Email:

help@PostBankruptcy.org

 

Qualification
Organization
Licenses:  
Debt Adjuster
New Jersey, Dept of Banking and Insurance
Debt Adjuster
Vermont, Dept of Banking Insurance
Debt Mgt Service
Maine, Dept of Professional & Financial Regulation
Budget Planner New York, Banking Dept
Credit Counselor Virginia, Bureau of Financial Institutions
Debt Adjuster Connecticut, Department of Banking
   
Registered:  
Debt Adjuster Georgia, Office of Consumer Affairs
Community Service Organization California, Dept of Corporations
Credit Counselor Massachusetts, Secretary of the Commonwealth
   
Accredited:  
Financial Management & Debt Counseling Services Council on Accreditation for Children and Family Services
   
Certified:
Comprehensive Housing Counseling
U.S. Department of Housing and Urban Development (HUD)
Approved:  
501(c)(3)
U.S. Department of the Treasury, Internal Revenue Service
Pre-Bankruptcy Counseling
U.S. Department of Justice - Trustee Division
Debtor Education (PENDING)
U.S. Department of Justice - Trustee Division
Homeownership Counseling
Federal Home Loan Bank of New York
Homeownership Counseling New Jersey Housing and Mortgage Finance Agency
   
Member:  
In Good Standing Better Business Bureau & BBB Online
Advisory Committee American Association of Debt Management Organizations

 

 

Privacy Policy

 

Consumer Credit and Budget Counseling respects your privacy. We recognize the importance of protecting the privacy of personal identifying information that may be submitted to us for analysis and review. It is the policy of Consumer Credit and Budget Counseling to ensure that all client information will be held in the strictest of confidence.

 

You may be asked for information in order to complete the Debtors Education. Any and all information collected by us, either through our web site, via mail, fax or E-Mail, from the telephone, as a result of face-to-face counseling, or from any other source, will be kept strictly confidential. Such information will not be sold, reused, rented, loaned or otherwise disclosed.

 

Any information you give us will be treated with the utmost care, and will not be used in any ways that you have not consented to in writing. Consumer Credit and Budget Counseling is committed to data security.

 

This notice is provided to you pursuant to the Gramm-Leach-Bliley Act (disclosure of nonpublic personal information by financial services provider), which requires a financial institution to notify its customers of its privacy practices and procedures on an annual basis. As we do not disclose personal information except for legitimate business and legal reasons, as specifically authorized in the signed Authorization and Agreement, no opt out of information sharing is required.

 

 

Client Bill of Rights

 

We pledge that our clients have the right:

1. To prompt counseling services for managing money, based upon their financial situation

2. To treatment with dignity and respect

3. To express dissatisfaction through a Complaint Resolution Process

4. To discontinue their relationship with CC&BC at any time

5. To ask questions and have their concerns addressed

 

Complaint Resolution Process

We are committed to providing you with high quality professional services. However, if you are not satisfied with the services provided, or if you wish to file a complaint, we ask that you follow these guidelines:

 

Step 1.Try to resolve the issue with the staff member involved, giving him or her specific information about your complaint.

 

Step 2. If "Step 1." Is not possible, or the issue is not resolved to your satisfaction, write or call the Senior Counselor (at 299 South Shore Road, Marmora, New Jersey 08223, 1-888-738-8233)

 

Step 3. CC&BC may request a meeting with you (phone or face-to-face) or seek more information from the staff person. In any event, CC&BC will respond with 15 days.

 

Step 4. If your issue is still unresolved, you may appeal in writing directly to the President or Executive Director, at the address above. After additional fact finding, you will receive a concluding decision within 15 days.

Our Office

Our Office

 

299 South Shore Rd, Marmora, New Jersey 08223

 

Directions