Most life events involve financial decisions, which complicate the situation even without debt. To meet this need, CCCS developed Life Events Counseling with in-depth materials on key topics. Life Events Counseling covers such topics as divorce, job loss, single parenting, identity theft, home buying, and loss of a loved one. During a one-on-one session, you and the counselor will discuss your specific financial concerns, and construct a plan to meet your goals-whatever life dishes out.

JOB LOSS! Frightening words. When it happens to you, don't let fear keep you from getting help. Bills still need to be paid, even when no money comes in. Will the creditors understand? Maybe government programs can assist, but where do you find them? You haven't written a resume in years. What does today's employer look for? Should you retrain for another career or sharpen your existing skills?

ANSWERS: Turn to CCCS where you have a trusted friend to guide you through this maze. We have prepared in-depth materials that give you solid advice on how to proceed. Even better, a trained and certified counselor will work with you every step of the way.

Call CCCS of Greater Dallas to schedule an appointment for Job Loss Counseling. It's that easy.

HOME-A real house! Do you dream about being a homeowner, but think it's impossible? Don't have the money? Have credit card debt or bad credit? Besides, the very process seems too complicated.

Don't give up! Find out where you stand by talking to a HUD Certified Housing Counselor at CCCS of Greater Dallas. CCCS offers extensive homebuyer education and counseling in both Spanish and English. Counselors assist you with budgeting, spending, saving, managing credit and dealing with credit bureaus. You get a "roadmap" of steps to take. Best of all, your CCCS counselor guides/coaches you along the way.

Call CCCS of Greater Dallas. We help you make your dreams come true.

D * I * V * O * R * C * E * may sound clever in a song, but not in real life. When you face divorce, you are likely dealing with major financial changes. Don't panic! Get assistance from CCCS before, during or after divorce. We have helped clients cope for 30 years.

CCCS has experienced counselors prepared to help individuals and families with the financial complications that often surround a divorce. CCCS has specially developed, comprehensive materials for divorce counseling.

Call CCCS--you'll be glad you did.

ARE YOU A SINGLE PARENT? We know your special needs.

CCCS of Greater Dallas counsels many single parents. And because we care about our clients, we included additional information on single parents in our Life Events Counseling Program. Our trained, certified counselors are ready to discuss intangible needs as well as pressing financial ones. CCCS presents single parents with resources, achievable solutions, and means/ideas for a better future.

Call someone you trust. Call CCCS of Greater Dallas. Helping is our mission.

I'M NOBODY! IDENTITY THEFT robs you of more than money; it steals your reputation. Don't delay! Get help to repair your financial life and credit ASAP! Call CCCS, your friend in need and deed.

CCCS of Greater Dallas sees ID theft cases all too frequently. We know how to work with this problem. CCCS has developed a fast action and resource list for ID theft clients. Our professional Life Events counselors coach you on procedures to take, teach you ID theft survival techniques, and support your recovery.

Don't delay! Call for help. Call CCCS of Greater Dallas.

Don't try to make important financial decisions during an emotional time. Let our counselors help you organize the proper documents you'll need to have on hand. We've got the answers to questions you didn't even know you needed to ask. Be prepared in advance by making an appointment today.

"Nobody plans to fail, they just fail to plan." When it comes to budgeting, no statement is more accurate. Lots of folks consider budget a bad word! In reality, there is no stronger debt prevention tool than a sound, workable budget. Schedule an appointment with a CCCS counselor today for a customized budget to fit your income and lifestyle.

Many senior citizens find themselves "house rich and cash poor". Seniors fear that selling is the only way to realize the equity in their homes, but that option may not be appealing. A reverse mortgage allows owners to stay in the home while drawing equity from it. CCCS employs the largest number of agency counselors participating in the AARP Reverse Mortgage Education Project. Let our skilled staff help you evaluate whether this type of loan meets your need.