Consumer Credit Counseling Service of West Florida Incorporated

is a nonprofit organization offering debt management and educational programs helping financially distressed families and individuals effectively manage their finances.

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Financial Counseling

Families and individuals receive a complete budget analysis by a trained counselor. All counseling is completely confidential and will include suggestions for budget expenditure alternatives and discussion of potential sources of additional income for which the client may be eligible.

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Debt Management Program

If you are already in financial difficulty, a counselor will attempt to develop a realistic repayment schedule acceptable to both you and your creditors. In most cases, creditors will accept smaller monthly payments from CCCS clients. In some cases, they will reduce or eliminate interest and penalty charges.

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Housing Counseling

Families and individuals receive a complete budget analysis by a trained counselor. All counseling is completely confidential and will include suggestions for budget expenditure alternatives and discussion of potential sources of additional income for which the client may be eligible.

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Reverse Mortgage

A reverse mortgage is a safe and easy way for seniors, 62 years of age or older to turn their equity into tax-free cash. The money they receive can be used to meet virtually and need. The borrower never gives up title to the home and the loan is repaid, with interest, once the borrower permanently leaves the home. CCCS provides the required reverse mortgage counseling for those individuals seeking this type of loan.

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Bankruptcy Counseling

A counselor will work with you to analyze your income, expenses, assets and liabilities to provide a true accurate picture of your financial situation. The required certificate will be issued for you to use if you choose to file bankruptcy.

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We're a nonprofit organization offering debt management and educational programs helping financially distressed families and individuals effectively manage their finances.