Consumer Credit Counseling

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Consumer Credit Counseling Service of NH & VT

Manage your money, pay your bills, and save with confidence!

Free individual budget, debt and housing counseling;
Low-cost debt management and repayment programs;

Call today 1-800-327-6778 to schedule an appointment in person or over the phone

Bankruptcy Counseling (Pre-filing), Housing Counseling and Reverse Home Equity Mortgage Counseling services are not offered online. Clients can obtain these services by scheduling an appointment with a counselor by calling 1-800-327-6778.
Do you wake up in the middle of the night worrying about your bills?
Are you living paycheck to paycheck?
Do you feel overwhelmed by credit card debt?
Well, you're not alone. Most of us were never taught how to create a personal budget, save consistently, or use credit wisely. Many of us have learned about managing money the hard way.
Often, a job loss, divorce, disability or illness triggers financial problems, and puts you in a hole that can be very difficult to climb out of.
Consumer Credit Counseling Service of NH & VT works with you to help you make smart decisions about your money.
Our nationally certified consumer credit counselors will help you budget and plan your spending; eliminate your debt; pay your bills on time; strengthen your credit, and; save money to help you achieve your dreams.

“I just wish I had called sooner.”
As a non-profit organization, our budget, debt, and housing counseling is free to you. We'll review your budget and help you create a spending plan that's realistic. We'll assess your debt, and make suggestions and recommendations about your best course of action. We'll help you pay your bills and get out of debt - and stay out.
Since 1972, we've helped over 100,000 people in New Hampshire and Vermont with their personal finances. With 16 counseling offices located across New Hampshire and Vermont, we can help you too.

This FREE online tutorial will address why a budget is important and provide you with guidance on how to create one. After completing the tutorial you will also have access to printable worksheets that will assist you in creating your own personalized budget.
GET STARTED NOW!

Visit our News and Events page for workshops and seminars

How to indentify a reputable Consumer Credit Counseling Service

In today's consumer market there are many companies trying to profit from the most vulnerable, desperate consumers. When faced with stressful debt and financial problems consumers often hope for a quick fix solution to their problems. Under agonizing financial stress it is sometimes easy to believe in the impossible and clinch on to hope in order to keep functioning properly at home and at work.

We strongly encourage consumers in financial distress to do their research prior to committing to any debt relief program. Here are some recommendations when choosing a financial counseling agency:

• Counselors should be certified by a third party. The National Foundation for Credit Counseling and the Council on Accreditation are two national organizations that set strict standards in this field.

• In order for a counselor to be certified they must NOT be paid on commission. The counselor position should be a full time salaried based position. No volunteers are allowed to provide credit counseling services.

• Counselors in the state of NH are required to be licensed to offer this service.

• You don't have to have a specific amount of debt. A reputable credit counseling service should be willing to offer you their services regardless of the amount of debt you have.