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Housing & Other Services

Reverse Mortgage Services

Services

• Debt Management Program
• Credit and Budget Counseling
  • Credit Report Review
• Housing Counseling
  • First Time Homebuyer Workshop
• Bankruptcy Counseling
  • Bankruptcy Counseling Online
    • Pre-filing Counseling Privacy Policy
    • Pre-discharge Counseling Privacy Policy
• My Virtual Counselor

Education

• Financial Education
• Event Calendar
  • Budgeting & Building a Strong Financial Future
  • Budgeting & Building a Strong Financial Future
  • Budgeting & Building a Strong Financial Future
  • Budgeting & Building a Strong Financial Future
  • Budgeting & Building a Strong Financial Future
  • Budgeting & Building a Strong Financial Future
  • Budgeting & Building a Strong Financial Future
  • Budgeting & Building a Strong Financial Future
• Community Workshops & Classes

Resources

• FAQ
  • Frequently Asked Questions
    • Why should I come to CCCS of Northeastern Iowa for help?
    • What services do you offer?
    • Who do we write the certified check out to?
    • Where can I find employment opportunities on your website?
    • I'm only a little behind on my bills, can you still help me?
  • FAQ's on Student Counseling
  • Debt Management Plan
    • What is the difference between a settlement and a Debt Management program?
    • Does the Debt Management program reduce the overall balance due to the creditors?
    • Will a Debt Management program hurt my credit score?
    • How does a debt management program impact my credit score?
    • Why do I receive monthly statements from my creditors if Consumer Credit Counseling Service of Northeastern Iowa sends me a monthly statement?
    • Can I get a mortgage loan or auto loan while on the Debt Management Plan?
    • Will anyone be in contact with me from Consumer Credit Counseling Service of Northeastern Iowa once I’m on the Debt Management Plan?
    • What is a Debt Management Program?
    • I've used your debt management program in the past. Am I eligible to use it again?
    • How much do your services cost and how long does it take to establish a debt management program?
  • Credit Score/Report
    • What makes up my credit score?
  • Credit Counseling
    • How can I pay off my credit card debt faster?
    • How do I build my credit?
    • What is a Credit Counseling Session?
    • How long does the credit counseling session take?
    • How long will it take to pay off my debts?
  • Bankruptcy
    • How long will a bankruptcy affect my ability to get credit?
  • Housing
    • If I am struggling to cover my mortgage and trying to avoid foreclosure. When should I reach out to CCCS for help?
    • If I am trying to avoid a foreclosure, what things can CCCS do to help me avoid it?
    • What is a Reverse Mortgage?
  • Representative Payee Service
    • Can you help me get signed up for Rep Payee Services?
    • Will you work with our family attorney to set up your services?
• Calculators
  • Auto Payment Comparison Calculator
  • Automobile Affordability Calculator
  • Automobile Loan Payment Calculator
  • Budget Percentage Calculator
  • Credit Card Minimum Payment Interest Calculator
  • Credit Card Principal/Interest Calculator
  • Fixed Vs. Minimum Payment Calculator
  • Debt Calculator
  • Debt Ratio Calculator
  • Debt Payoff Goal Calculator
  • Accelerated Debt Payoff Calculator
  • Brown Bag Savings Calculator
• Learn more about...
  • Debt Management
    • Debt Settlement
    • Debt Consolidation Loans
    • Debt Repayment Options
  • Credit & Budgeting
    • Credit Card Basics
    • Your Credit Score
    • Creating a Budget
    • Credit Card Interest Rates
  • Financial Education
    • Money Management
    • Creating Financial Goals
    • Consumer Protection Laws
  • Housing Finances
    • Buying a Home
    • Costs of Buying a Home
    • Fixed Rate Mortgages
    • Refinancing a Mortgage
    • Reverse Mortgages
  • Planning for College
    • Planning for College
  • Bankruptcy Counseling

About

• About CCCS
  • Background
• Testimonials
• Employment Opportunities
• Blog
  • Enrolling in a Debt Management Program May Help You Pay Back Student Loans Without Defaulting
  • Signs You Need Debt Management
  • The Importance of Opening a Savings Account for Your Child
  • Tackling Holiday Debt in the New Year
  • How Much Does a Debt Management Plan Affect Your Credit Score?
  • Ways to Help Your Kids Save for Their Future
  • Celebrate Thanksgiving on a Budget With These 5 Tips
  • Is it Bad to Carry Over a Credit Balance Each Month?
  • Which Should You Choose? Debt Settlement or Debt Management
  • 5 Financial Spring Cleaning Tips
  • Reduce Your Credit Card Debt in 2024 By Making a Plan
  • Managing Your Credit and Spending During the Holidays
  • Pay Down Credit Card Debt Highs With a Debt Management Plan
  • Personal Loans for Debt Repayment
  • First Home Program
  • Getting Debt Relief with Bad Credit
  • How Will Debt Management Affect My Interest Rates?
  • Volunteer Income Tax Assistance (VITA) Is Here!
  • Managing Your Debts and Student Loans
  • Make 2023 The Year You Start Living Debt-Free
  • Financial Resolutions Anyone Can Make
  • Don't Make These 4 Credit Card Mistakes During the Holidays
  • Should I Pay My Credit Card More Than Once a Month?
  • Spending vs. Savings During a Recession
  • Debt Management Can Lead to Saving More Money
  • Closing a Credit Card Impacts Your Credit Score
  • What is a BillPay Service?
  • Need Home Financial Advice? The Importance of Housing Counseling
  • Getting Out of Debt: 5 Do’s and Don'ts
  • Managing Your Money in Tough Times
  • Important Money Moves to Make in Your 20s
  • Child Tax Credit
  • Don't Make These 5 Holiday Shopping Mistakes
  • Best Budgeting Tips to Get Out of Debt
  • Should I Pay off My Car or Buy a New One?
  • The Benefits of Using a Credit Counseling Service
  • Is Debt Settlement Worth It?
  • Buy Now and Pay Later - Is it a Rip Off?
  • What Does a Credit Counselor Do?
  • The Building Blocks of Financial Health
  • What Are Your Options When Your COVID Forbearance Ends?
  • How Soon Will Paying Off Debt Improve My Credit Score
  • How to make your Debt Management Program Successful
  • Save More Money By Paying Off Your Debt
  • Maintaining and Creating a Grocery Budget
  • Why Consider a Debt Management Plan?
  • 4 Tips for Recovering from Holiday Debt
  • Setting Goals for 2021
  • How to Pay Off Holiday Debt
  • How to Get a Lower Interest Rate on Your Credit Cards
  • 5 Tips to Start Preparing for Retirement
  • COVID and Student Loans
  • Thinking About Buying Your First Home? Find Out When is the Right Time to Buy
  • Help with Mounting Health Bills
  • Beware of COVID-19 Scams
  • What Do Deferred Payments Mean for You?
  • Free Weekly Credit Scores Online and Why You Should Check Them
  • Housing Updates Related to COVID-19
  • The CARES Act & Student Loans
  • Stimulus Check Scams
• Mission
• Funding Sources
• State Registrations

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