Credit counseling organizations advise consumers on managing their personal finances and debt. These organizations have trained counselors that explain financial matters and work with clients to develop personalized plans and budgets for debt relief. According to the United States Federal Trade Commission (FTC), consumers should use caution when selecting any type of debt relief organization. The FTC recommends selecting agencies that have received recognition by organizations or offices dedicated to preventing consumer fraud.
ClearPoint Credit Counseling Solutions
ClearPoint Credit Counseling Solutions was established in 1979 as a non-profit organization dedicated to helping clients with their financial needs. ClearPoint is accredited by the Better Business Bureau, is certified by the U.S. Department of Housing and Urban Development (HUD) and is recognized by an independent organization called the Council on Accreditation that credits social service organizations. ClearPoint offers no or low-cost one-on-one counseling services by phone, via the Internet or in person. Counseling may include help with budgeting, credit reports, reverse mortgage counseling, rental counseling, mortgage default, bankruptcy, identity theft and home buying. Additionally, ClearPoint offers debt management programs to help clients pay off debt more quickly by negotiating with finance companies on their behalf. Unlike for-profit agencies, creditors receive 100 percent of the funds paid through the debt management plan. Spanish translation is available on the website and Spanish-speaking counselors are also offered.
ClearPoint Credit Counseling Solutions
Pacific Region Main Office
6001 E. Washington Blvd.
Suite 200
Los Angeles, CA 90040
877-412-2227
bydesignsolutions.org
Consumer Credit Counseling Service of Orange County
The Consumer Credit Counseling Service of Orange County (CCCS) has been in business since 1966. Debt counseling is offered to clients in branch offices, over the Internet, by mail and in person. CCCS of Orange County is accredited by the Better Business Bureau, the Council on Accreditation and certified by HUD. At the CCCS, certified counselors help clients develop debt management plans that stop legal action for collection, end debt collection phone calls and negotiate payments or interest rates with creditors. The CCCS also offers counseling on bankruptcies, identity theft, homeownership, credit reports, budgeting and cash management. Spanish language workshops, a Spanish language website and Spanish-speaking counselors are available.
Consumer Credit Counseling Service of Orange County
1920 Old Tustin Ave.
Santa Ana, CA 92705
800-213-2227
cccsoc.org
SurePath Financial Solutions
SurePath Financial Solutions has been in business for over 44 years. SurePath is a member of the National Foundation of Credit Counseling and has been accredited by the Better Business Bureau since 1998. All clients meet with certified credit and housing counselors over the phone, via the Internet or in person. SurePath offers a Debt Solver Plan, which is a debt management plan designed to help consumers gain control of their finances. The plan has the ability to lower interest rates and payments, reduce or waive late fees and stop collection agencies from making phone calls. SurePath also gives clients the ability to check debt plan progress 24 hours a day via the Internet or telephone. In addition to the Debt Solver Plan, SurePath advises clients on other financial matters, including bankruptcies, foreclosures, home-buying and credit scores. Spanish-speaking counselors and a Spanish language feature on the website are also available.
SurePath Financial Solutions
80 N. Wood Road Suite 200
Camarillo, CA 93010
877-615-7873
surepath.org
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