Debt and Credit Counseling
Free. Counseling includes an in-depth, personal review of your debt, income, and expenses by a certified financial counselor. Counseling sessions are available only to residents of California, and can be conducted in person, through the mail, on the phone.
Free. There is no charge to meet with a CCCS-OC Housing counselor to for pre-purchase homebuying counseling, foreclosure prevention counseling, or rental counseling.
Reverse Mortgage Counseling – $175 per session for individual or married couple
Counseling includes the certificate required to obtain a reverse mortgage and all disclosures and counseling interview activities required for its issuance.
Bankruptcy Counseling & Education
Pre-Filing Bankruptcy Counseling & Certificate
Pre-Filing Bankruptcy Counseling as required by the Bankruptcy Code is offered with the issuance of the required completion certificate. Residents of California may complete counseling online, by phone, or in person at any of the five CCCS-OC locations. The following fees apply:
|In Person or Phone||Online|
*Attending same session
**Married couple filing jointly
Bankruptcy filing can be in any California judicial district.
Payment may be made by money order, cashier’s check, or a debit card with the MasterCard® or Visa® logo. Fee may be waived in certain hardship cases.
Pre-Discharge Bankruptcy Education & Certificate – $50 per filer
“Money in Motion” is an approved Pre-Discharge Personal Finance Managment program, as required by the Bankruptcy Code prior to the discharging of debts in a bankruptcy. Filers may complete the program in a CCCS-OC classroom or online.
Bankruptcy filing can be in any judicial district except Oregon, Alabama or North Carolina.
Payment may be made by money order, cashier’s check, or a debit card with the MasterCard® or Visa® logo. Fee may be waived in certain hardship cases. A login number will be assigned to online participants upon receipt of payment.
Debt Management Plan And Education
One-Time DMP and Set-up Fee – $50
Clients choosing to join the Debt Management Plan are charged a one-time fee of $50. This fee includes:
- Better Fortunes education workshop and book is intended to help you change your approach to personal money matters. It will provide you the tools and the knowledge to build a new financial life based on sound financial principals. This is a mandatory class for new DMP participants, and can be taken in person or as self-study course at home. Additional Family members can also take Better Fortunes for $30.
- Free access to all CCCS-OC educational workshops (except for Better Fortunes, Money in Motion or Check Wise).
Monthly DMP Service Fee – $0 to $35
Debt Management Plan participants are charged a monthly service fee equal to 8% of the amount disbursed each month, up to a maximum of $35 per month, whichever is less. $35 is the maximum monthly fee currently permitted by California State law.
Sample Fees for New DMP Client*:
$50 One-time DMP and Education Fee
$0-$35 Monthly Service Fee
*Total costs for each individual will vary based upon their specific needs. These are the only fees charged by CCCS-OC for Debt Management Plan Administration. No clients will ever be asked to make donations or contributions to CCCS-OC to help defray the actual costs of providing counseling or debt management programs. Fees are income-sensitive and no one is ever turned away for services due to inability to pay fees.
Student Loan Counseling - Student Loan Counseling – $75 per single session, $100 for joint session for married student borrowers
Counseling includes an analysis of all student loan repayment, rehabilitation, and forgiveness options for which you may be eligible, as well as an in-depth, personal review of your debt, income, and expenses by an NFCC-certified student loan counselor. Counseling sessions can be conducted in person or by phone.
Credit Report Review Counseling
- Experian Report and Score
- Single session, $50
- Joint session for married consumers, $55
- Tri-merge Report with All Three Bureaus and Scores
- Single session, $65
- Joint session for married consumers, $70
Counseling includes an analysis of your personal credit report(s) and scores, including discussion of inaccuracies/errors and how to correct them as well as strategic planning of ways to legally establish/re-establish/improve your credit over time.
NOTE: Fees are income-sensitive and secondary to debt repayment. Fee waivers are available for some services due to financial hardship. No one is ever turned away due to inability to pay fees for some services.