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Credit Counseling Services

If you’re struggling with your debts or looking for better ways to manage your finances then Credit Counseling could be the solution that you’re looking for. In this section, Consolidated Credit Counseling Services, Inc. offers an overview on the credit counseling process, explaining how counselors help consumers explore their debt relief options.

Budget Basics

How Americans Spend Their Money

According to the Bureau of Labor Statistics, the average American household spends 30% of their budget on housing, 16% on food and 15% on transportation.

The below chart represents how the average American spends their money:

Chart: How Americans Spend Their Money

How does your spending compare?

Find out now and receive a FREE Debt & Budget Analysis. You will get a personalized spending chart showing where you are spending too much money as well as recommendations of how to get your expenses closer to the ideal.

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Self-Help Booklets
Coping with Financial Stress

If you're under financial stress, you may be arguing with your spouse or family members about money, experiencing headaches or panic attacks, hiding bills or receipts from family members, or finding it difficult to sleep at night. Your eating habits may have gone south, and you may find it hard to make it through the day. Use this guide to help you deal with your stress.

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"We are really proud to recommend Consolidated Credit" Dr. Jennifer O’Flanery, Ph.D. President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

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All Consolidated Credit counselors are certified personal financial counselors (CFC)
We’ve helped 5 million people get out of debt!
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Consolidated Credit Consulting Services, INC.
has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, INC. as a valid business.
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Consolidatedcredit.org certificate status


Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.
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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating.
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Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company.
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U.S. Department of Housing and Urban Development - HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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