Consumer Credit Counseling Service of Northwest Indiana, Inc

Consumer Credit Counseling Service of Northwest Indiana, Inc. is a non-profit 501(c)(3) community action organization. Through a dedicated and highly trained professional staff, CCCS will:

  • Provide a confidential and professional debt counseling regarding budget, credit and money management. Work as an intermediary between clients and their creditors to establish workable and responsible payment arrangements through debt management programs.
  • Educate individual clients, as well as the community, on the wise use of credit and money management.
  • Assist with housing needs through our Mortgage Counseling.


Counseling Sessions
Consumer Credit Counseling Service of Northwest Indiana, Inc. offers to clients one on one personal credit counseling service with a certified counselor. By meeting face to face or by phone you will take the most important step toward getting out of debt.

A debt management plan is another way we can help you resolve credit problems and pay down your debt. Consumer Credit Counseling Service of Northwest Indiana, Inc. will serve as an impartial intermediary to negotiate with your creditors to establish a reasonable and mutually acceptable repayment plan. The program is tailored to have you the client debt free within 60 months.


On October 17, 2005, the new Bankruptcy law came into effect in regards to how a consumer will have to file. The consumer will now have to obtain pre-counseling from an approved budget and credit counseling agency. Specifically, the law would require financial counseling prior to filing for bankruptcy. It is important for consumers to know and to understand the alternatives and consequences of bankruptcy. The law requires that a consumer receive counseling by a certified credit counselor individually or in a group “briefing” within 180 days prior to filing bankruptcy. The law will also allow such briefing by phone, internet and in person.

CCCS is approved to issue certificates in compliance with the bankruptcy code. Approval does not endorse or assure the quality of an agencies service. After the counseling session has taken place, a registered certificate will be issued to the consumer to validate the effects and options of bankruptcy. The cost for this service is $50 each person or $75 per couple payable by either cashier’s check, certified check or money order made payable to CCCS. The fee may be waived based on the client’s ability to pay. More importantly, we will be able to provide financial education and training for consumers who have serious financial difficulties. Being able to assist debtors in bankruptcy with the skills and the tools to avoid future problems is a positive and significant consumer benefit.


Budget Workshops:
The client will learn how to create a budget and know what components are involved in a budget. Also, provide client with the ability to handle personal finances and make good money decisions. Upon the conclusion of this budgeting session, the client will know the difference between needs vs. wants. The person will also know why and understand where their money is going and be able to track the information and adjust their budget and spending. Client’s behavior about spending habits will change and they will begin to live within their means.

Credit Workshops:

  1. How to Handle Credit: The client will learn that credit is not free. The client will understand when to use credit and when you have enough income or savings to repay the loan or purchase.
    Credit Reporting: The client will be introduced to the credit granting process, how to evaluate credit offers, and how their credit report can affect their ability to get credit. At the end of this class, the client will understand and be able to read credit reports.
  2. I.D. Theft: We will be able to let people know what identity theft means. Identity theft means someone is establishing credit in your name. The client will know what id theft is and how to protect themselves against becoming a victim and what to do if they become a victim.
  3. Teaching Teens: The client is designed to introduce young people to financial skills that are necessary to establish credit and manage their financial lives. Discussion topics include distinguishing wants from needs, introduction to budgeting, and laying a foundation that will allow them to evaluate credit offers, in order to protect themselves as they establish credit.
  4. Managing Money: Money management means incorporating skills gained through education into a cohesive plan that leads a client toward particular goals that may include home ownership or long-term financial stability. Clients will learn budget techniques, how to analyze their cash flow and to incorporate the idea that self-discipline is not self-denial, but a way to achieve their dreams.
  5. Savings: Clients who attend this seminar will learn techniques and skills that will help them maximize their ability to save. Discussion topics include developing a realistic budget, how to track expenses, how to recognize areas of spending that be controlled, and how to set savings goals.


Consumer Credit Counseling of Northwest Indiana offers a comprehensive housing counseling program including:

  • First Time Homebuyers Classes
  • Pre-Purchase Counseling
  • Post-Purchase Counseling
  • Post-Purchase Counseling
  • How to be a Knowledgeable Renter


Program options and information are being revised at this time. Please contact Consumer Credit Counseling Service at 219-980-4800 directly to discuss foreclosure prevention workout options.

GET STARTED or CONTACT Consumer Credit Counseling Service of Northwest Indiana, Inc


Posted on December 4, 2017 in Agency Spotlight

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