Consumer Credit Counseling Service of Central New Jersey


Hours of Operation

Monday, Thursday and Friday from 9:00 am to 5:00 pm

 Tuesday and Wednesday from 9:00 am to 8:00 pm


Consumer Credit Counseling Service (CCCS) is a program of Family Guidance Center serving residents throughout central New Jersey. The program helps individuals and families become financially self sufficient by encouraging responsible use of credit, teaching money management skills and providing pre purchase housing counseling. The program is licensed by the New Jersey Department of Banking and Insurance, certified by the U.S. Department of Housing and Urban Development, and accredited by the Council on Accreditation Services for Families and Children, Inc.  CCCS is a member of the National Foundation for Credit Counseling (NFCC).


How do I know if I am in financial trouble?  

Take the My Money Check Up:

Take the Mortgage Reality Check:


2014 Educational ProgramsCCCS Financial Workshops 2014.pdf (81.79 kb)


Services Provided

  • Financial Counseling: Professionally trained counselors provide thorough advice concerning your money management. Print out an application and fax it to us at (609) 586-1465, mail it to us, or bring it with you to your session.








  • Educational Programs: Free community-based seminars are provided on a regular basis and address such topics as budgeting, wise use of credit, the home buying process, and other financial topics helpful to consumers     


  • Representative Payee Program: A program designed for those who regularly need assistance managing and paying their bills.



For more information about CCCS' programs and services please call (609) 586-2574 or email Toni Vaughan at