What is a budget analysis?
It is a tool that allows you to understand how you are using your money. Our financial counselors help you identify your income, expenses, and savings opportunities. This analysis is the first step to achieve financial stability and avoid over-indebtedness.
Benefits of our financial counseling
Our budget analysis service is 100% free and completely confidential. We have certified and experienced counselors who will help you identify unnecessary expenses, offer personalized recommendations, and provide the support you need to create a realistic and sustainable budget.
FAQs
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.
The counseling session can be delivered face-to-face, by phone, or online. You can call 1-800-717-2227 or 888-692-2650 to make an appointment, or you can start a counseling session now.
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.
The first step towards improving your financial health is to seek guidance. You can make an appointment at the branch nearest to where you live, or you can fill out the guidance form online. You can also call 888-692-2650. Remember to have the documents required for your counseling session on hand.
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.
After you fill out the online counseling form, a counselor will contact you to discuss your financial situation, help you draw up a budget and spending plan, and discuss alternatives to help you meet your debts with creditors.
Request your budget analysis today!
At CONSUMER PR, the process begins with a free financial counseling appointment. One of our certified counselors will evaluate your monthly income and expenses to identify savings opportunities and areas where you can improve your money management. Based on this assessment, we design a personalized action plan, adapted to your financial reality.
You don't need to be in crisis to get help. This service is available to anyone in Puerto Rico who wants to improve their personal budget and achieve greater economic stability.
Request your budget analysis today and take the first step toward a healthier financial life.
Call us at 888-692-2650 or schedule your appointment online.
