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Our Services

Here are the programs and services we offer: 

Financial Counseling

One of our certified credit counselors will conduct a confidential session with you to go over your spending plan and develop an action plan to meet your financial goals. You may meet one on one with a counselor or the appointment can be conducted via the telephone.

Military OneSource
CCCS is now partnered with Military OneSource to offer short-term, solution-focused financial counseling. Financial counseling is available at no cost to active duty, Guard and Reserve members (regardless of activation status) and their families, as well as deployed Department of Defense civilians and their families. Read more

Debt Management Plan
A debt management plan helps you pay your creditors on time, avoid late fees, improve your credit score, and climb out of debt.  You deposit with Consumer Credit Counseling Service of Northeastern Iowa a specific amount of money your creditors need. This also pays the costs of your plan. You will receive our credit education book, and a class schedule. The counselor walks you through the paperwork and then contacts creditors to start the process. Now you are on the road to debt recovery and better money management.
Credit Report Reviews
Knowing what is in your credit report is important, as many lenders and businesses use it to decide if they want to do business with you.  Even employers are checking credit files to make hiring, firing and promotion decisions.   Whether it is a single Equifax credit report or a tri-merge credit reports from all three bureaus (Equifax, Experian and Trans Union), let one of our experienced certified credit counselors help you understand what your credit report is telling others about you.  Call to schedule a credit report review with one of our counselors.
Bill Paying Accounts
Under a bill paying account, we pay more than your credit card debt. You deposit your paychecks and receive weekly payments. We help you learn how to manage money more effectively. A counselor will give you more specifics when you visit.
Housing Counseling
Whether you want to buy a home, afford the home you're already in, or face foreclosure, we can help. 
Pre-purchase Homeownership Counseling
CCCS provides pre-purchase counseling and education classes.  This counseling and education helps first-time or seasoned buyers to understand the home buying process.
HECM (Reverse Mortgage) Counseling
CCCS conducts this counseling for seniors who want to stay in their homes but need additional capital to do so. 
Loss Mitigation
CCCS can help you find a solution to foreclosure problems even before they happen.  Our HUD-certified credit counselors will help you with your housing concerns.  We provide both in-person and telephone counseling. 
Here are three warning signs you could be facing foreclosure:
  • You are missing this month's mortgage payment.
  • You can no longer pay all regular bills or keep up your budget due to disaster aftermath expenses
  • Your bank and/or creditors are calling you to demand payments
Recognize the warning signs, call us and we can communicate with your lender for you.  Your best bet is to face a potential foreclosure earlyDon't wait.  Waiting will only make your financial situation worse.
Our HUD-certified counselors will assist you with foreclosure prevention. 
Many of our services are provided free of charge or at low cost.  To help those less fortunate, you may make a donation by clicking the button below.



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