Many people face overwhelming money concerns. If you have been struggling with financial pressures, you owe it to yourself to take advantage of the FREE services offered by Consumer Credit Counseling Service of Northern Nevada  (CCCS).

Life changing circumstances such as unemployment, medical emergencies, pay reduction, or divorce can be overwhelming financially and emotionally. Thousands of individuals and families are faced with financial challenges every year and most do not know where to turn. Consumer Credit Counseling Service of Northern Nevada will help you take control of your finances in order for you to have financial peace of mind.

Financial Quiz!
Each month when the time comes to pay your bills:

• Do you realize that you do not have enough money to pay what you owe?
• Do you juggle your creditors?
• Do you make only the minimum payments?
• Do you delay paying your bills until the next payday?
• Do you receive late fees from your creditors?
• Do you screen your phone calls to avoid talking to collectors for your creditors?

If you answered yes to any of these questions, we can help.

Consumer Credit Counseling Service of Northern Nevada accredited counselors will help you plan a monthly spending plan that fits your needs, and suggest methods to improve money management and spending habits

When needed, we can arrange a Debt Management Program (DMP) to help you pay off your creditors at affordable payments. The DMP is a voluntary program that serves a dual role: to help you repay your debts and help creditors collect the money owed them. As incentive, many creditors waive or reduce interest rates, over the limit credit fees and/or monthly late fees for those in the DMP.

The maximum fee ever required would be up to $25 monthly to service the account and $25 to process the DMP paperwork. Most of our funding comes from voluntarily contributions from creditors who participate in the DMP. Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund our Agency. These contributions are usually calculated as a percentage of payments you make through your DMP.  However, your accounts with your creditors will always be credited with one hundred percent (100%) of the amount you pay through us, and we will work with all your creditors regardless of whether they contribute to our agency or not.

In order to best determine your needs, we provide a questionnaire on which personal income, living expenses, and consumer debt can be detailed. With this information an Accredited Credit Counselor will be able to help you plan a monthly spending plan. Counseling is available in person at our Reno. Counseling is also by phone or on-line.

To apply online for our counseling service, simply click on the Apply Online button below and fill out the online form. We value your security and privacy so the application form is equipped with software designed specifically for secured Internet transactions. It scrambles (encrypts) all of your personal information so that it cannot be read as the information travels over the Internet.