CONSUMER DEBT COUNSELORS INC

CONSUMER DEBT COUNSELORS PROVIDES FINANCIAL COUNSELING AND EDUCATION AND PROMOTES FINANCIAL WELLNESS TO UNDERSERVED AMERICAN FAMILIES. THE ORGANIZATION IS A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING (NFCC), IS AN ACCREDITED MEMBER OF THE BETTER BUSINESS BUREAU WITH AN A+ RATING, AND HAS AN ISO 9001 CERTIFIED QUALITY MANAGEMENT SYSTEM. CLIENTS WHO BOOK AN APPOINTMENT WITH A CERTIFIED CREDIT COUNSELOR COMPLETE A DETAILED FINANCIAL REVIEW. THEY WORK WITH THEIR COUNSELOR TO DEFINE THEIR FINANCIAL GOALS, ESTABLISH A BUDGET, AND CREATE AN ACTION PLAN TO ACHIEVE THEM. ALL FINANCIAL COUNSELING IS PROVIDED AT NO COST TO OUR CLIENTELE. GENEROUS GRANTS FROM COMMUNITY PARTNERS SUPPLY FUNDING. SOME CLIENTS WHO UNDERGO FINANCIAL COUNSELING MAY ENROLL IN A DEBT MANAGEMENT PROGRAM (DMP), WHICH ALLOWS CREDITORS TO RECOVER TOTAL OUTSTANDING BALANCES WHILE NEGOTIATING CONCESSIONS LIKE LOWER INTEREST RATES TO ENSURE CLIENTS CAN REPAY THEIR DEBTS WITHOUT ADDITIONAL FINANCIAL DIFFICULTIES. DURING THE 2025 FISCAL YEAR, CONSUMER DEBT COUNSELORS CONDUCTED 3155 FINANCIAL COUNSELING SESSIONS IN PERSON, ONLINE, AND OVER THE TELEPHONE. IN THE SAME PERIOD, 963 CLIENTS STARTED A NEW DMP, AND 339 CLIENTS SUCCESSFULLY COMPLETED A DMP.

SINCE 2012, CONSUMER DEBT COUNSELORS HAS MET THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT'S (HUD) STRICT REQUIREMENTS TO BE A HUD-CERTIFIED HOUSING COUNSELING AGENCY. OUR HOUSING COUNSELORS WORK WITH UNDERSERVED COMMUNITIES TO OVERCOME HOUSING CHALLENGES IN MULTIPLE AREAS, INCLUDING FAIR HOUSING, HOMELESSNESS, RENTAL HOUSING, HOMEOWNERSHIP, MORTGAGE MODIFICATION, AND FORECLOSURE ASSISTANCE AND EDUCATION. ALL HOUSING COUNSELING SERVICES ARE PROVIDED AT NO COST TO CLIENTS. FUNDING FOR HOUSING PROGRAMS COMES FROM VARIOUS SOURCES, INCLUDING THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD), COMMUNITY PARTNERSHIPS, AND STATE AND LOCAL GOVERNMENTS. SOME HOUSING CLIENTS ENGAGE THE ORGANIZATION VIA WORKSHOPS. CONSUMER DEBT COUNSELORS REGULARLY HOLD SEMINARS ON BOTH PRE-PURCHASE AND POST-PURCHASE HOMEOWNERSHIP EDUCATION. DURING THE 2025 FISCAL YEAR, THE ORGANIZATION HELD 12 WORKSHOPS. OTHER HOUSING CLIENTS ENGAGE IN ONE-ON-ONE COUNSELING. DURING THE 2025 FISCAL YEAR, CONSUMER DEBT COUNSELORS PROVIDED ONE-ON-ONE HOUSING COUNSELING TO 587 CLIENTS. OVERALL, INCLUDING BOTH WORKSHOPS AND ONE-ON-ONE COUNSELING, CONSUMER DEBT COUNSELORS IMPROVED THE FINANCIAL CAPABILITIES AND SKILLS OF 696 CLIENTS, REFERRED 399 CLIENTS TO ADDITIONAL HOUSING SERVICES, REFERRED 5 CLIENTS TO OTHER SOCIAL SERVICES, COMPLETED 43 HOMELESS OR RENTAL COUNSELING SESSIONS, AND DELIVERED 39 PRE-PURCHASE COUNSELING SESSIONS THAT RESULTED IN THE PURCHASE OF A HOME.