Consumer Credit Counseling Service

Consumer Credit Counseling Service

The YWCA Consumer Credit Counseling Service (CCCS) has been providing consumers with budget, debt and housing advice for over 30 years. Counselors help consumers identify the causes of their individual financial problems and make a plan to address them. All services are available in English and in Spanish

CCCS provides the following counseling and education opportunities at free or low cost:

Credit and Budget Review

Learn the impact that budgeting and credit abuse has on personal wealth, and develop a plan to achieve financial goals. A counselor will advise you on establishing/recovering credit.

Credit Review Counseling

A credit counselor will access your credit report, review it with you, and provide explanation and instruction on how to improve it as well as how to dispute erroneous information.

Debt Management

CCCS helps you by working with your creditors to arrange and administer repayment plans that you can afford and creditors will accept. Debt management can help you avoid bankruptcy and get out of debt as quickly as possible, with the least amount of damage to your credit standing.


First Time Homebuyer Counseling

CCCS guides you through the entire home buying process by providing information on down payment assistance programs and advises you on solving credit issues. First-time homebuyer educational workshops are free.

Housing Counseling

CCCS provides housing counseling addressing a variety of situations: mortgage default & foreclosure, mortgage re-financing, & rental default.

Pre-File Bankruptcy Counseling

A credit counselor reviews your financial situation and advises on alternatives to bankruptcy. This counseling fulfills the financial counseling requirement of the Executive Office of the U.S. Trustee (EOUST).



Financial Education Programs

Stretching your Dollar$: Basic budgeting

Credit When Credit is Due: Comprehensive Credit Management

Money in Motion Comprehensive financial management overview. This fulfills the financial requirement of the Executive Office of the U.S. Trustee (EOUST).

Homebuyer Orientation: A first look at homeownership.

First Time Homebuyer Seminar: Comprehensive overview of buying a home.

CCCS Client Log-in

If you have questions or want more information about the YWCA’s Economic Empowerment Division, please call (915) 519-0034 or email at

Click here for the CCCS Privacy Policy in English and Spanish.