Credit counseling agencies – Oregon

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How Much Does Consumer Credit Counseling Service Cost?

Explore the costs of consumer credit counseling services, including fees, pricing variations, and potential savings options.

Published Feb 11, 2025

Consumer credit counseling services offer guidance to individuals seeking to manage debt and improve their financial health. These services provide structured plans and advice to help navigate complex financial situations.

Setup and Administrative Fees

When working with consumer credit counseling services, one of the first costs to consider is the setup and administrative fees. These are charged to cover the creation of a personalized debt management plan and account setup. The fees vary by agency, with some charging a flat rate and others basing the cost on the complexity of a client’s financial situation. For example, a straightforward case may incur a lower fee compared to a more complex financial profile requiring extensive analysis. Setup fees typically range from $30 to $75, though state laws often regulate these amounts, with some states capping fees at $50 to prevent excessive charges.

Monthly Service Expenses

Ongoing monthly service expenses represent the cost of maintaining and adjusting a debt management plan. These fees are often calculated as a percentage of the total debt being managed, though some agencies use a flat fee model. For instance, an agency might charge 1% of the total debt, resulting in a $25 monthly fee for a $2,500 debt. These charges cover services like negotiating with creditors and providing updates on payment progress. Monthly fees are frequently regulated by state laws to ensure fairness, with some states capping them at $50.

Agency Differences in Pricing

Pricing structures for consumer credit counseling services can vary widely based on factors like location, services offered, and whether the agency is nonprofit or for-profit. Nonprofit agencies often charge lower fees due to their mission-driven focus and potential access to grants, while for-profit agencies may have higher fees to cover operational costs. Additional services, such as credit score monitoring or identity theft protection, may also influence pricing. Agencies offering access to certified financial planners may charge more, as these professionals provide specialized advice.

Waived or Reduced Fee Options

Cost can be a barrier for many individuals seeking credit counseling, but some agencies offer waived or reduced fees for those facing financial hardship. Eligibility for these reductions is typically based on factors like income, family size, and debt load. Clients whose income falls below a specific threshold, such as the federal poverty line, may qualify for reduced fees or full waivers. Nonprofit agencies are more likely to provide these options, often supported by grants and donations. Programs funded by organizations like the National Foundation for Credit Counseling (NFCC) help make these services more accessible.

Potential Extra Charges

In addition to setup and monthly fees, clients should be aware of potential extra charges. Some agencies may charge for supplementary services, such as expedited creditor payments, which can be useful for avoiding late fees. Educational resources or specialized workshops may also come with additional costs. While many nonprofit agencies include basic financial education at no extra charge, more advanced courses might require a fee. Other potential charges could include administrative tasks, such as providing detailed account statements or processing changes to a debt management plan. Understanding these costs upfront can help clients avoid unexpected expenses.

What are consumer credit counselor consumer credit counseling oregon fees

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2711 E. Melrose Street
Gilbert , AZ 85297
United States

Internet www.myonlinebankruptcyclass.com English

378 Summit Avenue
Jersey City , NJ 07306
United States

Internet www.debtorcc.org English, Spanish

1400 Preston Road Suite 499
Plano , TX 75093
United States

Internet www.1dollarwiser.com English, Spanish
Telephone (877) 274-9479 English, Spanish

6303 Blue Lagoon Dr, Ste 400
Miami , FL 33126
United States

Internet www.a123cc.org English, Spanish
Telephone 1-888-412-2123 English, Spanish

362 Sweetbriar Lane
Lakeland , FL 33813
United States

Internet www.1stopbk.com English

17337 Ventura Boulevard
Suite 205
Encino , CA 91316
United States

Internet www.abacuscc.org English, Spanish
Telephone 800-516-3834 English, Spanish

633 W. 5th Street
Suite 26001
Los Angeles , CA 90071
United States

Internet www.accesscounseling.com English, Spanish
Telephone 800-205-9297 English, Spanish

800 Dakota Ave. North
Huron , SD 57350
United States

Internet www.allencredit.com;www.acdcas.com English, Spanish
Telephone 888-415-8173 English, Spanish

130 Rumford Avenue
Suite 202
Auburndale , MA 02466
United States

Internet www.consumercredit.org English, Spanish
Telephone 1-866-826-6924 English, Spanish

600 University Street
Suite 2409
Seattle , WA 98101
United States

Internet www.myfinancialgoals.org English
Telephone 1-800-894-7240 English, Spanish

30021 Tomas St.
Suite 300
Rancho Santa Margarita , CA 92688
United States

Internet www.apfsc.org English

3620 Homestead Street, Suite 1
Rapid City , SD 57703
United States

Internet www.pioneercredit.com English, Spanish
Telephone 800-888-1596 English, Spanish

67 Hunt Street
Agawam , MA 01001-1920
United States

Internet www.cambridgecredit.org English
Telephone 8004033433 English

721 Washington Ave
Suite 305
Bay City , MI 48708-5724
United States

Internet www.ccadvising.com English, Russian, Spanish

820 Crater Lake Ave
Suite 202
Medford , OR 97504
United States

In Person 820 Crater Lake Avenue #202 Medford, OR 97504 541-779-2273 English
Internet cccsso.org English
Telephone 5417792273 English

700 Taylor Rd.
Suite 190
Gahanna , OH 43230
United States

Internet www.apprisen.com English
Telephone 800-355-2227 English, Spanish

1818 South 72nd Street
Omaha , NE 68124
United States

Internet www.yourbankruptcypartner.com English, Korean, Spanish, Thai
Telephone 800-625-7725 English, Korean, Spanish, Thai

1325 N. Congress Ave.
Suite 201
West Palm Beach , FL 33401
United States

Internet www.debthelper.com English
Telephone 800-920-2262 English, Spanish

832 Second Street Pike
Richboro , PA 18954
United States

Internet www.creditcounselingcenter.org English
Telephone 877-900-4222 English

219 SW Stark Street
Suite 200
Portland , OR 97204
United States

Internet www.cricketdebt.com English, Spanish
Telephone 866-719-0400 English, Spanish

114 Goliad Street
Benbrook , TX 76126
United States

Internet www.bkcert.com English, American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
Telephone 866-859-7323 English, American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish

1330 SE 4th Avenue
Suite F
Fort Lauderdale , FL 33316
United States

Internet www.dmcccorp.org English
Telephone 888-777-0981 English, Spanish

6213 N. Cloverdale Road
Suite 100
Boise , ID 83713
United States

Internet www.debtreductionservices.org English, Spanish

2829 Townsgate Rd Ste 100 Office #45
Westlake Village , CA 91361
United States

Internet www.dollarbk.org English, Spanish
Telephone 877-366-6070 English, Spanish

7137 E. Rancho Vista Drive, Suite B21
Scottsdale , AZ 85251
United States

Internet www.evergreenclass.com English
Telephone 800-581-3513 English

16192 Coastal Highway
Lewes , DE 19958
United States

Internet www.FESCourses.org English
Telephone 888-835-9209 English

200 U.S. Highway 9
Manalapan , NJ 07726
United States

Internet www.navicoresolutions.org English, Spanish

36500 Corporate Drive
Farmington Hills , MI 48331
United States

Telephone 800-630-6718 English, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish

5750 Major Blvd
Suite 300
Orlando , FL 32819
United States

Internet www.personalfinanceeducation.com English, Spanish

12603 Southwest Freeway
Suite 450
Stafford , TX 77477
United States

Telephone (877) 964-2227 English, American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Polish, Portuguese, Russian, Sinhala, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish, Spanish

203 N. LaSalle
Suite 2100
Chicago , IL 60601
United States

Internet www.moneysharp.org English, Spanish

17520 West 12 Mile Road
Suite 105
Southfield , MI 48076
United States

Internet www.nationaldebtmgt.com English
Telephone 1-855-378-8989 English, Arabic

40 Gardenville Parkway
Suite 300
West Seneca , NY 14224
United States

Telephone 800-926-9685 English, Spanish

1450 Iowa Avenue
Suite 200
Riverside , CA 92507
United States

Internet www.bkhelp.org or www.bancarrota.org English, Spanish
Telephone 888-425-3452 English, Spanish

406 5th Street East
Oneonta , AL 35122
United States

Internet www.standsurecc.org English
Telephone 877-240-1398 English

4800 E. Flower Street
Tucson , AZ 85712
United States

Internet www.SummitFE.org English, Spanish
Telephone 1-800-780-5965 English, Spanish

20430 N 19th Ave, Suite B 155
Phoenix , AZ 85027
United States

Internet http://bankruptcycounseling.org/ English, Spanish

219 SW Stark Street
Suite 200
Portland , OR 97204
United States

Internet www.urgentco.com English, Spanish
Telephone 866-233-1940 English, Spanish

https://accountinginsights.org/how-much-does-consumer-credit-counseling-service-cost/https://www.justice.gov/ust/credit-counseling-by-state/Oregon

Author

  • Samantha Cole

    Samantha has a background in computer science and has been writing about emerging technologies for more than a decade. Her focus is on innovations in automotive software, connected cars, and AI-powered navigation systems.

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