SERVICES
CONSUMER is a private, non-profit 501 c3 organization dedicated to providing consumers with the highest quality financial education and counseling services.
Financial Advisory
CONSUMER's professional advisors will listen to you respectfully and provide support in reviewing your situation. We will provide you with guidance on Budgeting and Planning.
SERVICES
Housing
Are you facing foreclosure, seeking rental assistance, considering a reverse mortgage, or looking to buy a home? HUD-CERTIFIED counselors provide support for managing housing challenges.
Advisory
ON BANKRUPTCIES
During the guidance, a certified CONSUMER counselor will assess your personal financial situation, discuss alternatives to bankruptcy, and help you create a personal budget based on your resources and needs.
DEBT MANAGEMENT PROGRAM
The Debt Management Program (DMP) is reserved for consumers who are going through a financial crisis and are behind on their debts. It is a real alternative to avoiding the possibility of having to file for bankruptcy.
FAQ
No. Customers who receive advice on budgeting do not have to cover any costs. Typically, if a customer chooses to take their debts into a Debt Management Program, then there will be a monthly contribution to cover the costs of administering the program.
Yes. Confidentiality is one of the benefits that we offer our customers. Customer participation is not reported to anyone unless requested or authorized by the customer. We do not give information to credit reporting agencies. If the customer decides to take advantage of a Debt Management program, they must sign an authorization so that CCCS-PR may negotiate its debts with creditors.
Each customer's financial situation is unique and the counseling session must meet the needs of each customer. The counseling session lasts about 60 minutes. If you don't have time, you can email us or start an online session now.
Having all the documents related to your debts on hand helps reduce the time of the counseling session.
You must bring your most recent credit card statements, credit statements, collection letters from agencies, evidence of income, and receipts of your monthly expenses, such as: water, electricity, and telephone, among others.
If you do not have any of these documents, you should prepare a list of your income, expenses, and debts so that the counselor can assist you.
Yes. CCCS-PR is committed to maintaining privacy and confidentiality throughout the Internet. Our privacy policy sets out the measures that are taken to ensure that the information obtained is used appropriately and kept in complete confidentiality.
Feedback from our customers
L. SolerI cried tears of joy knowing that we would not be evicted from the home for which my husband and I worked so hard. Consumer did everything in their power to achieve a modification of the property. We are eternally grateful.
L. AnguloI called Consumer in desperation because the bank sent me a letter stating that I should pay the Reverse Mortgage debt in full for default.
C. VélezThe bank gave me a three-month plan, but thanks to Consumer I was able to sign a modification. Thank you so much for existing so that you can help many people who are going through the same thing I went through.