Consumer Credit Counseling Service of Northern Illinois, Inc. has been helping people manage their money more effectively since 1982. CCCS began with help from the Bersted Foundation and the McHenry County Mental Health Board. CCCS is a not-for-profit Illinois Corporation with 501(c)3 IRS status. Donations to CCCS are tax-deductible to the fullest extent of the law.

CCCS is a member of a nation-wide network of counseling offices under the auspices of the National Foundation for Credit Counseling.

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Financial Counseling


Are you stressed over your financial situation? Are you unsure of what to do or where to turn for help? Look no further than Consumer Credit Counseling Service.

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CCCS of Northern Illinois is approved by the Executive Office of the U.S. Trustee to do pre-bankruptcy counseling and issue certificates in compliance with the Bankruptcy Code.

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Housing Counseling


Pre-purchase homebuyer classes and counseling can help you decide whether home ownership is the best decision for you.

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Reverse Mortgage


HUD-certified counselors provide mandatory counseling for seniors (62 years old and older) who wish to remain in their homes by converting available equity.

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Student Loans


A college education is a tremendous asset, but oh, what a liability student debt can be!  If you are struggling to deal with your student loans, CCCS counselors can assist you in a number of ways to develop a plan of action.  .

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