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Consumer Credit Counseling Service of San Francisco (CCCS) is a non-profit service. We are accredited by the Council on Accreditation of Services for Families and Children, Inc. and are certified by HUD to provide comprehensive housing counseling services. We've been providing money management information and assistance since 1969.


Mission Statement

By providing comprehensive financial counseling and education, we will help consumers achieve financial independence through debt reduction, homeownership, and improved money management skills.


Who We Serve

As a financial resource center, we offer the tools to help our clients set and achieve financial goals. Whether you need immediate help to pay off debt and avoid bankruptcy or you just need guidance in designing a spending and savings plan or buying a first home, we offer a variety of programs and services that put you in control of your financial future. There is no charge for money management, debt or housing counseling services. Debt Management Plan participants pay a small monthly administrative fee to cover the cost of handling their accounts; the fee never exceeds $35 per month.

Although we are based in San Francisco, we serve people nationwide by phone. Our staff includes BAs, MAs, JDs, MSWs, certified financial planners and certified credit report reviewers. All counselors participate in a month-long training program upon hire and in ongoing training sessions on everything from counseling techniques to resources and referrals.


Our Counselors

All of our counselors are required to successfully complete a national certification program developed by Purdue University specifically for members of the NFCC. This certification covers such topics as consumer protection, spending plans and budgeting, creditor and legal policies and practices, credit and debt management, and counseling principles and techniques. Counselors must also maintain their certification by earning additional Professional Development Units (PDUs) during each four-year period.


Performance and Quality Improvement

Our goal is to provide meaningful counseling and education to help our clients understand and improve their financial situation. To ensure that we meet this goal, we have dedicated quality improvement personnel who monitor employees, looking at such factors as the relevance and accuracy of advice given and attitude. We also send a satisfaction survey to clients upon the completion of their session. The feedback that we receive allows us to know what areas need improvement and provide relevant staff training so that our services are of the highest possible quality.


Our Principal Officers

Kathryn J. Davis, CCE / President & Chief Executive Officer
Tom Layman, Board Chairman
Diana Dykstra, Board Vice Chair
James Norwine, Board Secretary
Steven Stapp, Board Treasurer


Non-Discrimination Policy

Our agency serves all members of the community. We do not engage in practice of discrimination in the selection and participation of clients in our programs or services with respect to race, religion, color, gender, national origin or handicap.


Policy Statement

  • Any consumer contacting of CCCS of San Francisco for counseling services will be provided service regardless of the language they speak.
    - Whenever possible, a client will be paired with a counselor who speaks his language.
    - If a client speaks a language other than those of our multi-lingual counseling staff, the AT&T Language Line will be contacted to schedule a translator for the time of the appointment. CCCS will pay for the cost of the service.

  • Hearing impaired clients will be provided service via telephone or in-person.
    - If the client prefers a telephone consultation, TTY operators will be contacted to participate at the time of the session. CCCS will pay for the cost of the service.
    - If the client prefers a face-to-face consultation, the Bay Area Communications will be contacted and sign language interpreter will be available for the consumer's appointment. CCCS will pay for the cost of the service.

  • Whenever a 3rd party interpreter is a party to an appointment, two back to back appointments will be scheduled in order to insure appropriate time for a complete and thorough counseling session.


Housing Education Program

Our Housing Education Program has been providing housing services to the community since 1994, and is recognized by Fannie Mae, Freddie Mac, HUD, and local and national lenders for excellence. For more information visit: www.housingeducation.org


Contact Us:

Consumer Credit Counseling Service of San Francisco
1655 Grant St. Suite 1300
Concord, California 94520

Copyright © 2019 CCCS of San Francisco