Welcome to the Consumer Credit Counseling Service of Mid-FLorida web site

with offices in:
Gainesville, Inverness,
Lake City, Ocala, and Palatka

A valuable resource for
you and your clients or members

Since 1987, Consumer Credit Counseling Service of Mid-Florida (CCCS) has pursued its mission of providing the very best in professional, confidential credit and budget counseling, debt management, bankruptcy counseling and financial literacy education for adults and youth. Because financial difficulties happen for many reasons (job loss or layoff, death or devastating illness, divorce, and financial mismanagement are a few examples) they can happen to just about anyone. Consumer Credit

Counseling Service strives to provide hope and help to those dealing with personal financial problems.

More than 64,000 individuals and families have benefited from the services we provide. In addition, more than 8,000 financial literacy seminars have been conducted in the communities we serve. Consumer Credit Counseling Service is a member agency of the National Foundation for Credit Counseling (NFCC). Our counselors are also certified through the NFCC. We’re accredited by the Council on Accreditation of Services for Families and Children (COA). CCCS of Mid-Florida is a nonprofit agency and a United Way affiliate. We do not lend money.

All of us at Consumer Credit Counseling Service of Mid-Florida appreciate the opportunity to offer your clients or members valuable tools for financial success. But why choose Consumer Credit Counseling Service over the myriad of similar-sounding options you’ve heard about?

Because your clients or members deserve to know the NFCC member agency difference: true one-on-one credit and budget counseling; quality, professional services available at no or low cost; standards upheld by accreditation; and, for the convenience of our clients, local offices and the availability of phone counseling.

CCCS Services include:

Credit and Budget Counseling

Housing Counseling

Debt Repayment Plans

Credit Report Review

Financial Literacy Education

Bankruptcy Pre-Filing Counseling

Bankruptcy Pre-Discharge Education

For specific details on our services - click here

If your client/member:

Has been declined for a loan
Is falling behind with credit payments
Is struggling to make ends meet
Is caught in a minimum payment trap
Appears to have adequate income but does not understand budgeting
Is clearly too deep in debt

Then refer them for:
Credit and budget counseling

If your client/member:

Is a first-time homebuyer
Is acquiring their home through SHIP or Habitat for Humanity
Is struggling with mortgage payments of budgeting for housing costs
Is facing foreclosure

Then refer them for:
Housing counseling

If your client/member:

Is delinquent with payments
Can not make more than minimum payment
Can make a payment, but not make up past due payments
Has lost the ability to make regular payments

Then refer them for:
Credit counseling as they may be a
candidate for a debt repayment plan

If your client/member

Is confused by their credit report or score
Has inaccurate information contained in their credit report
Thinks they may be a victim of ID theft

Then refer them for:
Credit Report Review

Financial literacy education is important to everyone-even those without financial difficulties will benefit from learning more about issues involving their money. We've created several educational programs geared to EVERY consumer.

These programs include topics like:

What Every Consumer Needs to Know About Credit
Know the Score—What Your Credit Report Means to You
Building and Keeping Good Credit
Rebuilding Credit—It’s Never Too Late
ID Theft—What to Do If it Happens to You
Budgeting & Money Management—A Strong Foundation for Financial Success
Choosing a Credit Counseling Agency
Camp Money Que$t (youth/teens)
Money Watch Workshop (adults)

For specific details on each topic - click here

We look forward to working with you and your clients/members. Utilizing Consumer Credit Counseling Service is quick and easy.

To refer a client or member for counseling - Simply have your client or member call us toll free (800)-245-1865 to make an appointment for counseling.

To set up an educational program or workplace visit - Contact our education department by calling (800)-245-1865, ext 130, or click here to contact us online.