 CCCS Consumer Credit Counseling Service of
Greater Atlanta
What is the Consumer
Credit Counseling
Service?
The
(CCCS) Consumer Credit Counseling Service (CCCS) is a
nonprofit, community service agency that provides
primarily free, confidential budget counseling,
community-wide education programs in money management,
debt management programs for consumers who are
overextended and comprehensive housing counseling.
Although CCCS provides various services, we are going to
focus our attention on their highly acclaimed housing
counseling.
CCCS Housing
Counseling
The
folks at CCCS understand just how important a person’s home is
important to their peace of mind. That's why they offer an
array of counseling services to meet your housing needs.
CCCS is certified by the U.S. Department of Housing and Urban
Development as a comprehensive housing counseling agency. Each
counselor at CCCS is an expert in resolving housing concerns.
Their staff includes HUD trained and certified housing
counselors. Incidentally, they are one of the largest
HUD-approved counseling agencies. CCCS provides counseling
primarily in these areas:
Pre-Purchase Counseling 
Purchasing a home, especially for first
time buyers can be a daunting task. You can learn the
basics of the home buying process in a private one-hour
session with a CCCS-certified housing counselor. As you
move towards home ownership, CCCS can show you how to
develop a monthly budget to help you plan for household
expenses, improvements and those “unexpected" bills that
may arise.
Mortgage Default and
Delinquency Counseling
Even with foreclosures in Georgia at an all time
high, the thought of losing your home can be horrifying.
If you are behind on your mortgage
payments, the counselors at CCCS can help you establish a
budget, set priorities, and determine the appropriate
strategies to help you keep your property.
Post-Purchase
Counseling
In
this informational session, equity loans, 2nd mortgages, home
improvement loans, and refinancing are all carefully examined
to help the borrower understand the ins and outs of these
financial instruments. The CCCS provides counseling services in
areas other than the ones we mentioned. You can visit their
website at www.cccsatl.org
to obtain more information.
It is important that you
understand; receiving input from a trained third party with no
vested interested, (i.e., no sales quotas or commissions) is
one of the best ways of obtaining reliable information, and the
folks at CCCS meet that criteria. If you are behind on your
mortgage payments and are facing foreclosure, first, you need
to go to our, How to Stop
Foreclosure page and read it in its entirety.
Afterward, if you believe
further advice or counseling is needed, you can contact
the REO Dr and speak with one of our specialists or contact
the CCCS and speak with one of their
counselors.
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