CCCS of Forsyth County Inc. (CCCS-FC) was established locally in 1972 as a 501(c)3 non-profit educational organization to help families build wealth, achieve financial self-sufficiency, attain financial stability, and handle financial crises.. In addition, CCCS also offers services to the community through the Center for Home Ownerships, the Homebuyer Education Center, the Center for Financial Education, and Senior Financial Care®. CCCS partners with families, schools, religious organizations, businesses, government agencies, and other non-profits, serving residents of Forsyth and surrounding counties from offices in Winston-Salem, Kernersville, Statesville, and Mocksville.

Mission
To provide professional consumer education and comprehensive financial and housing guidance to all members of the community.

Vision
To empower individuals and families with the financial skills and opportunities to enhance their financial well being.

Values
As we interact with the community, our clients and one another, our efforts are inspired by four core values:

• Trust (honesty and fairness in all our actions)
• Excellence (highest standards in all we do)
• Accountability (best results possible for clients and community)
• Methodology (practices that promote client success)

Organizational structure and characteristics include:

• Community-based client focused credit counseling agency serving a geographic area of approximately 396,000 local residents (36% African-American; 16% Hispanic)
• Governed by a local Board of Directors that is representative of the community residents it serves; Staff of 27 full and part-time employees (15% bi-lingual; 33% African-American)
• Accredited by the Council on Accreditation; HUD Certified as a Comprehensive Housing Counseling Agency since 1980
• Member of the National Foundation for Credit Counseling (NFCC)
• Member of, and partially funded by, Forsyth and  Davie County United Ways
• Depending upon the agency program and population served, counselors are certified as credit counselors by NFCC; certified as housing counselors by The Association of Housing Counselors; certified in Reverse Mortgage Counseling by the NC Housing Finance Agency; and trained in Solution Focused Credit Counseling by retired Professor Fred Waddell

CCCS-FC addresses the issue of personal finance as it relates to individual, family and community well being, including the critical components of self-sufficiency and homeownership through the following programs:

• Financial Literacy Education is focused on community residents to include: employer-based workshops; community and civic groups; non-profit organizations; youth based programs (including the Winston-Salem/ Forsyth County School System and the surround universities.)
• Financial Management and Debt Counseling primarily serves low-to-moderate income clients that reflect community demographics.
• Senior Financial Care® that provides in-home bill paying, budget, credit and insurance counseling for seniors 60 years of age and older
• Center for Homeownership is a community collaborative service provider that includes an IDA program, and involves United Way, City and County housing representatives; Lenders; Builders; Realtors; and non-profit service providers
• Consumer Choice Credit Report Review Program, which takes the place of the now-closed local credit bureau

NC Foreclosure Prevention Fund
Get Help Keeping Your Home
The Mortgage Payment Program of the NC Foreclosure Prevention Fund helps North Carolina homeowners who are struggling to make their mortgage payments due to job loss or other temporary financial hardship.  Funded through the U.S. Treasury's Hardest Hit Fund, these loans are offered by the N.C. Housing Finance Agency in partnership with HUD-certified counseling agencies statewide. 

The program offers zero-interest loans up to $24,000 to cover your mortgage and related expenses for up to 24 months while you search for or train for a new job.  If you live in one of the 50 counties with the highest unemployment, you may be eligible for up to $36,000 over 36 months.  The loan can also be used to bring your mortgage current.


For eligibility requirements and more information, please click on the logo to visit the NC Foreclosure Prevention website     If you would like to schedule an appointment please contact the CCCS Appointment Desk at (336) 896-1191 or toll free 1-888-474-8015 and mention you are interested in the Mortgage Protection Program.