The following Terms and Conditions apply to the use of this Web site as well as all transactions conducted through the site.

  • Use Of Site
  • This site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Information on this site may contain technical inaccuracies or typographical errors. Information, including product pricing and availability, may be changed or updated without notice. Consumer Credit and Budget Counseling and its subsidiaries reserve the right to refuse service, terminate accounts, and/or cancel orders in its discretion, including, without limitation, if Consumer Credit and Budget Counseling believes that customer conduct violates applicable law or is harmful to the interests of Consumer Credit and Budget Counseling and its subsidiaries.



  • Privacy Policy
  • Consumer Credit and Budget Counseling use of personal information that you may submit to Consumer Credit and Budget Counseling through this Web site is governed by the Consumer Credit and Budget Counseling Privacy Policy.



  • Warranties
  • The Content included in this Web site has been compiled from a variety of sources and is subject to change without notice as are any products, programs, offerings, or technical information described in this Web site. Consumer Credit and Budget Counseling makes no representation or warranty whatsoever regarding the completeness, quality, or adequacy of the Web site or Content, or the suitability, functionality, or operation of this Web site or its Content. By using this Web site, you assume the risk that the Content on this Web site may be inaccurate, incomplete, offensive, or may not meet your needs and requirements. Consumer Credit and Budget Counseling SPECIFICALLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT WITH RESPECT TO THESE WEB PAGES AND CONTENT. IN NO EVENT WILL Consumer Credit and Budget Counseling BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

    -- OR Depending on State --

    The information and content on this server is provided "as is" with no warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Any warranty that is provided in connection with any of the products and services described on this Web site is provided by the advertiser or manufacturer only, and not by Consumer Credit and Budget Counseling.

    The references and descriptions of products or services within the Web site materials are provided "as is" without any warranty of any kind, either express or implied. Consumer Credit and Budget Counseling is not liable for any damages, including any consequential damages, of any kind that may result to the user from the use of the materials on this Web site or of any of the products or services described hereon.

    The descriptions of, and references to, products, services and companies on this Web site are the sole responsibility of the companies providing the information ("advertisers"), and not Consumer Credit and Budget Counseling.

    The inclusion of material on this server does not imply any endorsement by Consumer Credit and Budget Counseling, which makes no warranty of any kind with respect to the subject matter of the server materials advertised.

    A possibility exists that the server materials could include inaccuracies or errors. Additionally, a possibility exists that unauthorized additions, deletions, and alterations could be made by third parties to the server materials. Although Consumer Credit and Budget Counseling tries to ensure the integrity and the accurateness of the server materials, it makes no guarantees about their correctness or accuracy. Before relying on any representation made in any of the server materials, check with the advertiser of the product or service to ensure that the information you are relying upon is correct.



  • Miscellaneous
  • VOID WHERE PROHIBITED:
    Although the information on this Web site is accessible worldwide, not all products or services discussed in this Web site are available to all persons or in all geographic locations or jurisdictions. Consumer Credit and Budget Counseling and the advertisers each reserve the right to limit the provision of their products or services to any person, geographic area, or jurisdiction they so desire and to limit the quantities of any products or services that they provide. Any offer for any product or service made in the materials on this Web site is void where prohibited.

    GOVERNING LAW: In the event of litigation both parties agree that the Law of the State of business registration of Consumer Credit and Budget Counseling shall apply and both parties shall consent to the jurisdiction of said State's courts, or in the event of diversity of citizenship, the United States District Court for the (District). Both parties expressly waive a trial by jury.

    MISCELLANEOUS: The Terms and Conditions constitute the entire agreement between you and Consumer Credit and Budget Counseling with respect to this Web site. The Terms and Conditions supercede all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and Consumer Credit and Budget Counseling with respect to this Web site. No modification of the Terms and Conditions shall be effective unless it is authorized by Consumer Credit and Budget Counseling. If any provision of the Terms and Conditions is found to be contrary to law, then such provision(s) shall be constructed in a manner to closely reflect, as much as possible, the intentions of the parties, with the other provisions remaining in full force and effect.

     

    The Process

    Step One

    Call your lender and verify that they accept CC&BC's Program, if so, pay for the course below
    (Some lenders need you to register for the class to accept the application)

    10+ Minutes

    Step Two

    Complete the Affidavit 

    20 Minutes

    Step Three

    Complete the Budget

    20 Minutes

    Step Four

    Get a copy of your credit report online or get one from your lender. Experian is preferred. (if you have difficulty getting your report it is not a requirement)

    20 Minutes

    Step Five

    Fax your Affidavit, Budget and Credit Report to 1-888-738-8234

    5 Minutes

    Step Six

    CC&BC will email you a link to view the presentation (This may take one business day)

     

    Step Seven

    Print out the presentation guides

    5 Minutes

    Step Eight

    The online course is broken up into 8 segments:

    Pre-Test – 20 Minutes
    Guide to Homeownership – 16 Minutes
    Opening the Door – 29 Minutes – 
    Knowing and Understanding Credit – 29 Minutes
    Homeownership Presentation Chapter 1-5 – 40 Minutes
    Borrowing Basics - 29 Minutes
    Homeownership Presentation Chapter 6-10 – 50 Minutes
    Buried by Debt – 15 Minutes
    Post-Test – 20 Minutes

    248 Minutes

    Step Nine

    Call a CC&BC housing counselor at 888-738-8233 (Monday through Thursday, 10:00 am to 6:00 pm and Friday 10:00 am to 4:00 pm all times Eastern), who will review your budget and credit and will answer your questions.

    45 Minutes
    to an Hour

    Step Ten

    Receive the certificate

    Estimated total time to complete the course is 6 hours

     

    Fees are Waived or Reduced Based
    on Hardship or Ability to Pay

    “No one will be refused service because of their inability or unwillingness to pay a fee”