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Consumer Information: Debt and Money Management

Credit Counseling

CCCS of South Jersey 3073 English Creek Ave., Egg Harbor Township, NJ 08234; Appointment #: (866) 346-2227. Offers online, in-person, and phone credit counseling and establishment of debt management programs for those severly in debt.

National Foundation for Credit Counseling   The nation's largest financial counseling organization, with more than 700 community-based offices located in all 50 states. More than 3 million consumers annually receive financial counseling from NFCC Member Agencies in person, over the phone, or online. To locate an NFCC Member Agency in your area call 800-388-2227.

Money Management International (MMI) is the largest nonprofit, full-service credit counseling agency in the US. They offer professional financial guidance, credit counseling, debt management assistance, bankruptcy counseling, and housing counseling assistance to consumers via phone, Internet, and in-person sessions. MMI is a member of the National Foundation for Credit Counseling (NFCC) and The Association of Independent Consumer Credit Counseling Agencies (AICCCA).  

Saving Money

Avoiding Foreclosure

Information is available at these sites.   http://portal.hud.gov/hudportal/HUD?src=/topics/avoiding_foreclosure (includes information on Making Homes Affordable)  http://www.hud.gov/offices/hsg/sfh/hcc/fc/

Managing Debt and Credit

Money Management

Free Annual Credit Report

Request a free report from AnnualCreditReport.com, OR by calling 1-877-322-8228, OR by filling out the Annual Credit Report Request form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can request all three reports (i.e. Equifax, Experian and TransUnion) at once or get them one at a time; by requesting the reports separately, you can monitor your credit more often. This information is provided by the Federal Trade Commission at http://www.consumer.ftc.gov/articles/0155-free-credit-reports

FREE CREDIT SCORE

Credit Karma provides truly free credit scores to consumers direct from the credit bureaus. Your scores are retrieved securely with no hidden fees.  Must create a free account with Credit Karma in order to obtain the score. 

Identity Theft

Budgeting Tools

Bankruptcy