, Your Source for Credit and Budget Counseling and Education

Under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 individual debtors who file bankruptcy on or after October 17, 2005, must undergo credit counseling within six months before they file bankruptcy.




Dear Stakeholders,

On Friday May 23, 2014, Consumer Credit and Budget Counseling, Inc., d/b/a National Foundation for Debt Management (CCBC) will discontinue offering Bankruptcy Counseling and Education.

CCBC has been approved to offer Bankruptcy Education and Counseling since the counseling was required beginning October 17, 2005. For the past 9 years we have offered a superior, premium service to our clients but the current environment of low cost overseas internet providers has forced us to examine our ability to efficiently deliver the service. We have determined that we can no longer afford to subsidize this counseling at a cost to the rest of our client base.

We thank our current stakeholders and wish them the best going forward and ask that they begin to refer clients to Start Fresh Today a well-respected and highly competent agency.


Russell Graves, 
Executive Director

Need a copy of your certificate?


Call 888-738-8233 x-3109



Important Notice: The information contained in this web site and in any part of your Pre-Petition Credit Counseling is NOT legal advice, nor is it intended to replace the advice of a legal practitioner.

Consumer Credit and Budget Counseling
299 South Shore Road
Marmora, New Jersey 08223
P: 609-390-9652
or 888-738-8233
F: 609-390-9653
or 888-738-8234