Consumer Credit Financial Counseling

Many people right here in Siouxland, around the region, and across the country are having financial problems. We are a local agency that wants to help you!

Counselors evaluate each clients unique financial situation.  During counseling sessions the counselor evaluates the client’s income, budget, assets, and debts in order to begin to develop a plan for the client to become more financially secure.  The counselor will provide a variety of options to assist the client with their finances.  Thse can include:

• Giving the client information on how to work directly with creditors
• Working with the client on budgeting issues
• Referring client to other appropriate social service agencies for assistance
• How to deal with wage garnishment or judgment
• Filing for bankruptcy
• Referral to legal assistance
• If appropriate for client, information about DMP

Our staff is always available to answer your questions on the phone, in person, or over the Internet.

It’s that simple.

Because we are a local, not-for-profit agency, we keep our costs low. We’re here to help you—not to make a profit.

The Gramm-Leach Bliley Act

The Financial Modernization Act of 1999, also known as the “Gramm-Leach-Bliley Act” or GLB Act, includes provisions to protect consumers’ personal financial information held by financial institutions. There are three principal parts to the privacy requirements: the Financial Privacy Rule, Safeguards Rule and pretexting provisions. The GLB Act gives authority to eight federal agencies and the states to administer and enforce the Financial Privacy Rule and the Safeguards Rule. These two regulations apply to “financial institutions,” which include not only banks, securities firms, and insurance companies, but also companies providing many other types of financial products and services to consumers. Among these services are lending, brokering or servicing any type of consumer loan, transferring or safeguarding money, preparing individual tax returns, providing financial advice or credit counseling, providing residential real estate settlement services, collecting consumer debts and an array of other activities. Such non-traditional “financial institutions” are regulated by the FTC.

How Do I Get Started?

There are several easy ways to get started Click on your choice:

• Call our office to get more information or set up an appointment. Our numbers are 800-509-5601 (Sioux City metro area 252-1861 ext 47)
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• CCCC Worksheets.  You may print and complete these forms.  They can be faxed to our office at 712-255-1352, mailed to our office at Center For Consumer Credit Counseling, 715 Douglas St, Sioux City, IA 51101, or you may contact our office to schedule an appointment.