CCCS Consumer Credit Counseling Service of Greater Atlanta

What is the Consumer Credit Counseling Service?
CCCS stands for 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.

PLEASE NOTE: On May 26, 2010, Consumer Credit Counseling Service of Greater Atlanta changed its name to CredAbility. Their new website is now CredAbility.org

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.