New Hampshire Debt Management Programs

There are a number of debt management programs in New Hampshire designed to help their clients to organize their debt and create a plan to pay it off. These programs have helped many residents of the Granite State to get a fresh start financially and learn how to better handle the responsibilities of credit.

CCCS of NH

Consumer Credit Counseling Service of New Hampshire and Vermont is a not-for-profit community-based service agency providing financial and debt management counseling to residents of the states of New Hampshire and Vermont. Consumer Credit Counseling Service (CCCS) of New Hampshire and Vermont works to educate consumers on the responsibility that comes with obtaining credit and helps provide their clients with the tools necessary to create and follow a budget. Clients receive a free review of their debt situation by certified credit counselors, who make recommendations on how best to resolve their debt. Credit counselors then work with individual creditors to work out a payment plan and, when possible, reduce interest and late fees. Consumers are not charged for these services and all debt is combined into one monthly payment that is distributed to creditors directly through CCCS.

Consumer Credit Counseling Service of NH & VT

P.O. Box 818

Concord NH 03302

800-327-6778

cccsnh-vt.org

Freedom Debt Management

Freedom Debt Management is a national, nonprofit organization with offices located throughout the state of New Hampshire. Freedom Debt Management works hand in hand with debtors and consumers to help resolve unresolved debt in accordance with New Hampshire consumer law. Consumers receive independent reviews of their current debt situation by Freedom Debt Management's trained and certified debt counselors and are helped to work out a payment plan based upon their expenses and current income. Freedom Debt Management also works with debtors on behalf of the consumer to lower interest rates, remove late fees and make settlements with past due creditors, often for much less money than was originally owed. Clients agree to combine their debt into a single monthly payment, payable to Freedom Debt Management. This payment is then distributed to the individual debtors by the assigned credit counselor. Freedom Debt Management provides these services at no charge to the consumer.

Freedom Debt Management

Corporate Offices

941A Clint Moore Rd.

Boca Raton, FL 33487

800-789-6143

freedomdm.org

Housing Urban Development

The New Hampshire division of the U.S. Department of Housing and Urban Development (HUD) offers a variety of HUD-approved debt management counselors throughout the state. These services are provided at no charge to the consumer and are offered through the federal government's debt solution programs. These counselors offer services such as budget management, foreclosure prevention and credit default resolution programs in accordance with New Hampshire consumer protection laws. Counselors work on behalf of the consumer to make satisfactory payment arrangements with debtors and help consumers to work out a realistic budget based upon income to repair their credit and qualify for financing or avoiding foreclosure. Interested consumers who wish to receive debt management counseling must apply directly through their local HUD office.

U.S. Department of Housing and Urban Development

451 7th Street S.W.

Washington, DC 20410

202-708-1112

portal.hud.gov