FAQ

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Frequently Asked Questions

Why should I choose ClearPoint?

ClearPoint Credit Counseling Solutions has provided consumers with financial counseling and education workshops for more than 30 years. ClearPoint is a well-established, reputable and trusted non-profit resource with low- and no-cost services.

Our services are tailored to meet your specific needs. Our NFCC-certified credit counselors are available face-to-face, over the telephone, and via the Internet, to review your personal situation and develop a course of action to help you achieve your financial goals.

We are a member of the National Foundation for Credit Counseling (NFCC) and accredited by the Council on Accreditation (COA).  We are a systemwide accredited business of the Better Business Bureaus (BBB).  In addition, we are a U.S. Department of Housing and Urban Development (HUD)-approved agency.

How can you help me?

We help individuals and families to both prevent and solve money management difficulties.

Confidential, one-on-one counseling sessions (by phone, via the Internet, or in person) with a certified counselor are available to assist you with housing-related issues, debt, credit problems, imminent bankruptcy, or identity theft situations. We also offer community workshops on a variety of topics as well as educational materials.

Although we are best known for our services for people with severe debt problems, the majority of our counseling is designed to help people avoid financial difficulties by learning how to budget, use credit wisely, take action likely to prevent becoming a victim of identity theft, or learn the steps to take before buying your first home.

How are your services designed to meet my needs?

ClearPoint offers a wide range of financial solutions tailored to meet your needs. Whether you need help with a debt problem, buying your first home, interpreting your credit report or understanding the implications of a reverse mortgage, our professional counselors are here for you. Your counseling session may result in various action plans depending on your particular situation. For assistance in person, we have convenient office locations and most of our services are also available via phone or Internet.

What are your costs?

Please refer to our fee schedule.

How are you funded?

Our funding comes from grants, foundations, voluntary contributions from creditors who participate in our debt management plans, donations from financial institutions and client fees.

Some of our funding comes from voluntary contributions from creditors who participate in Debt Management Plans (DMPs). Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund our agency. These contributions are usually calculated as a percentage of payments made through the DMP . However, accounts with creditors are always credited with 100% of the amount paid through us and we will work with all creditors, regardless of whether or not they contribute to our agency.

Where are your services offered?

  • Credit counseling
    With the exception of Nevada (where we service existing clients only), we offer credit counseling nationwide by phone or Internet and in-person at our branch offices.
  • Debt management programs
    We implement debt management plans for residents of every state except Nevada where we work with existing clients only.
  • Reverse mortgage counseling
    Offered nationally except in Indiana, Massachusetts, North Carolina, Rhode Island and Wisconsin.
  • Pre- and post-bankruptcy counseling and education
    Currently, ClearPoint offers these services in: Arizona, Arkansas, California, Colorado, District of Columbia (DC), Florida, Georgia, Indiana, Kentucky, Maryland, Michigan, Minnesota, Missouri, Mississippi, Nevada, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Washington, Wisconsin and Virginia.
  • Pre- and post-homebuying and rental counseling
    Not offered in Indiana, Rhode Island or Wisconsin.
  • Mortgage default and foreclosure counseling
    Not offered in Indiana, Rhode Island or Wisconsin.
  • Educational workshops
    Our financial specialists deliver personal finance workshops within the communities surrounding our branch offices.

If you have a question as to whether or not we can assist you, please call or email our Customer Service Department or call 1.877.412.2227 (CCCS).

What are your hours?

Customer Service is open Monday-Thursday, 7:30 a.m. to 9:30 p.m. and Friday, 7:30 a.m. to 7:30 p.m. and Saturdays, 8:00 a.m. to 3:00 p.m. EST (new clients only).  Hours given are in Eastern Standard Time.

You may also contact Customer Service by email.

Counseling hours vary by location. Immediate counseling is available for new clients for half-days on Saturdays, but we are closed on Sundays.

How can I get help most quickly?

Although we can assist you with most matters over the Internet, if your need is urgent, please call our Customer Service Department, during business hours, toll-free at 1.877.412.2227 (CCCS).

Do you have a list of the most commonly-requested links by callers to your customer service department?

Yes, see our useful consumer resources.

Do you have FAQ where I can get my questions about specific services answered?

Yes. Check out our additional frequently asked questions: