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CCCS
of NH & VT numbers:
Average age of consumers seeking housing
counseling appointments
47
Percentage of housing appointments scheduled
by consumers between the ages of 45-54
39%
Percentage of housing appointments scheduled
by consumers between the ages of 23-34
23%
Average annual household income of consumers
scheduling housing counseling appointments
$37,839
Average age of consumers filing bankruptcy
46
Results
of a survey of credit and debit cardholders by Visa USA:
Only 17% of those surveyed knew their FICO credit score
by the time they were 21 years old.
The average college graduate enters the workforce with
$23,000 in debt.
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About Us
Mission & History
Mission Statement of CCCS of NH & VT
Our
goal is to provide the best service dedicated to delivering professional
consumer credit education, confidential financial counseling,
guidance and resolution to all segments of the community.
CCCS of NH & VT is a community-based 501(c)(3) nonprofit
organization founded in 1972. The agency serves all residents
(over the age of 18) in New Hampshire and Vermont.
CCCS of NH & VT is affiliated with the United Way; is a member
of the National Foundation for Credit Counseling (NFCC); and is
a member of the Better Business Bureau of New Hampshire.
CCCS of NH & VT is accredited by The Council on Accreditation,
an international accrediting organization that employs high performance
standards to assure excellence in the delivery of nonprofit services.
CCCS of NH & VT is fully licensed with the NH Banking Department
and the Vermont Department of Banking.
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The History of Consumer Credit Counseling Services of NH & VT
Consumer Credit Counseling Services of NH & VT was established
to help families and persons who are experiencing financial difficulties.
Our inceptions date to 1970 when a successful pilot program, available
to bank customers only, was tried by New Hampshire Savings Bank
of Concord, NH.
Realizing the high success rate, and the great number of people
in need of help, the bank was determined to make the service available
to the public at large. John R. Hardie, President of N.H. Savings
Bank approached Fred Hackett, then President of Concord Savings
Bank and Herbert Little, President of Merrimack County Savings
Bank, both in Concord, NH. Their institutions provided the seed
money for our program. Calling together a group of interested
individuals including creditors, social workers, lawyers, and
the clergy, they resolved that their efforts should be a genuine
community services at the lowest possible cost, and free of any
possible claim of being creditor oriented. Thus CCCS of NH & VT
was born.
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CCCS of NH & VT Milestones
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Family Financial Counseling Services opened its
door on August 7, 1972 under the guidance of an
experienced credit counseling service in Michigan.
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July 1, 1973 Family Financial Services became an
independent private non profit community organization
serving the greater Concord Area.
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October 1973 branches were opened in Keene and
Peterborough, NH.
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December 1974 a branch was opened in Brattleboro,
VT
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April 1975 a branch in Manchester, NH was opened.
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September 1976 saw the opening of two branches
in Nashua and Laconia, NH.
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July 1077 a branch in Bennington, VT was opened.
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June 1988 a branch in Rutland, VT was opened.
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April 1987 Family Financial Counseling changes
its name to Consumer Credit Counseling Services
of NH & VT.
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August 1990 we opened branches in Tilton, NH and
Burlington, VT.
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October 1992 a branch was opened in Dover, NH.
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July 1994 Lebanon, NH opened its doors.
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December 1995 branches were opened in Berlin, Colebrook
and Littleton, NH.
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1996 saw the opening of our branch in Barre, VT.
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Currently CCCS of NH
& VT has 11 offices in NH and 5 in VT. We have a staff of 10 certified
counselors, 3 case managers, 2 people dedicated solely to educational
purposes out in the community and an excellent management team.
Employee turnover at CCCS is very low. Collectively, the professional
staff of CCCS of NH & VT has over 184 years of combined experience
in credit counseling.
Today CCCS of NH & VT is part of a
network of organizations dedicated to meeting the needs of personal
financial counseling, debt management, and preventive education.
These are the three pillars on which CCCS of NH & VT is based.
We are one of over 113 organizations nationwide that share a common
bond of serving the consumer with trustworthy, professional certified
credit counselors. We are THE Consumer Credit Counseling Service
that focuses in serving the entire states of New Hampshire and
Vermont.
To learn more about
our current programs and services please contact
us.
1-800-327-6778.
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