Consumer credit counseling services of San Diego and Imperial counties
370 Aurora street suite "B"
EL. Centro Ca. 92243
Fax : 337-8196
Consumer credit counseling service is a nonprofit community service dedicated to helping individuals and families find solutions to their money management problems. CCCS of San Diego and Imperial County is one of 600 nonprofit consumer credit counseling services across the country that operate under the guidelines set forth by the national foundation for consumer credit. CCCS is neither a charitable organization or lending institution,no funds are available to pay debtors obligations. We adhere to the belief that people should stand on their own feet, should use credit only when they have the ability to pay, and that if credit is extended bills should be paid regularly and promptly. However we recognize that frequently through overconfidence or a changing circumstance people become overextended with monthly payments, this often results in worry, jeopardy to their job and reputation, and sometimes even the disruption of the family unit. In such cases financial counseling may be of assistance.
What specific services are offered?
Money management education programs CCCS welcomes the opportunity to provide money management workshops too interested groups and organizations. Our staff is well qualified to speak on a wide variety of topics such as budgeting, establishing credit, credit use, types of credit, and teaching children and young adults about money. Please call our local office if you're interested in scheduling a presentation. This is a free community service. Individual and confidential budget credit and debt counciling Counselors review living expenses and credit obligations in an effort to give a third party assessment of the budget. Counselors will help create a plan of action to achieve the financial goals you want. Consumers with questions on credit are welcome to discuss their concerns with a counselor. All counseling is provided free of charge. Debt Management programs For individuals or families burdened by excessive debt obligations CCCS can negotiate with creditors for monthly payments to help balance out the overall budget. If we administer a debt management program for a client, the state of California mandates charging a fee totaling 6.5 percent of the amount we disperse for a client. Not to exceed $20 per month this he may be waived or reduced in hardship cases.
What have we done?
Consumer credit counseling service of San Diego and Imperial County was originated in 1964 and was one of the first offices in the state of California. 1989 Marked our 25th year of helping individuals and families solve their debt problems. In 1991 we counseled 6600 people and returned $5,968,720 to creditors. Our past history has been one of steady growth, and our anticipated future will continue to be the same.
How are we supported?
Consumer credit counseling service was founded by the financial community. Grants and donations support the free education programs, individual counseling, and the major expenses of our debt management program. Clients utilizing the debt management program contribute a share of that expence. As a nonprofit corporation we also receive non-cash support such as office supplies furniture free space to provide our services.
United Way of Imperial County
"Caring Hearts Build Hope"
1639 West Main Street
EL. Centro California 92243
Did you know that?
United Way of Imperial County is also an information and referral service. Anyone calling our office is directed to an agency that may be able to help. Emergency transportation funding is sponsored through our office and facilitated through the various city police departments to provide gasoline, mechanical repair, or bus transportation service, for those stranded in our valley.You have the option of designating your donation to 8501 C. 3 non-profit organization throughout the county. Your payroll deduction is completely tax-deductible as long as you list your deductions on your tax form. We act as a watchdog over your undesignated contributions to see that they are used for programs and not overhead costs. Over $72,000 of utility company assisted funds help low income citizens with emergency gas and electrical utility bills.