Consumer Credit Counseling

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For close to 40 years, Consumer Credit Counseling of Southern Oregon has been helping people solve their debt problems, avoid bankruptcy, and learn new skills that help them control their finances, rather than having their finances control them. Through educational workshops, and free personal credit and budget counseling, NFCC certified consumer counselors are able to help clients plan for a healthy financial future. All inquiries, whether by website, in person, or by phone, are completely confidential.
With offices in Medford and Klamath Falls Consumer Credit Counseling is here to help you in your financial planning. Contact us. Consumer Credit Counseling of Southern Oregon is recognized and affiliated with the following organizations:

CCCS offers credit report review appointments where a certified consumer counselor obtains and reviews a copy of your credit report(s) and credit score(s). All three bureaus ( Experian, Equifax, and Transunion) are available.

Are you interested in a reverse mortgage? Learn the basics of a reverse mortgage on our web page and call our office at (541) 779-2273 to set up an appointment with one of our reverse mortgage specialists.

Even if you think you're just looking, you're also triggering your 'I wants.' Try these reader tips to help you steer clear of temptation -- and overspending. By Liz Pulliam Weston , MSN Money
Back in the days before one-click shopping, author and frugality expert Tracey McBride curbed her spending in two ways: She avoided the mall and tossed out every catalog that came in the mail. Looking at things she wasn't supposed to buy gave her a bad case of the "I wants," and made sticking to a budget tough.
These days she has to be more vigilant. When she needs to save money, she unsubscribes from e-mail newsletters that alert her to sales and sets a kitchen timer to limit the time she spends on retailer websites. "I keep a timer at my desk and set it for five, 10 or 15 minutes, depending on the site and my schedule, and then try to move on once the timer dings," said McBride, who blogs at Frugal Luxuries. "I can't tell you how often it rings me out of my 'I wants' trance!" To Read More

Is there a statute of limitations on debt?
There are 2 main time limits: How long debt stays in your credit reports and how long you can be sued for it. If you're struggling, here's what you need to know. By Liz Pulliam Weston for MSN Money
Credit scores are plunging. Unemployment benefits are running out. Foreclosures are high. Many Americans are, for the first time in their lives, facing bills they can't pay. If you're among them, you need to keep in mind that little in life, including debt, is truly permanent. Knowing something about the legal limitations on collecting and reporting debt can help you through your crisis and allow you to get back on your feet. ( Read more)

Are you at Risk for Identity Theft? Test your "ID IQ" here. Are you a victim of Identity Theft? The FTC has a website that can help. www.ftc.gov/idtheft

Behind on your Mortgage? Housing Director Linda Cade offers these suggestions. And visit the housing page for an article from April 12th's Mail Tribune - "Default Dilemma."

Read about how to choose a student loan on the publication page.
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