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We'll give you professional direction to manage your
money effectively! |
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 Who We
Are
CCCS of Northeastern Iowa is a non-profit, educational, community
organization. It was incorporated in Waterloo, Iowa in July of 1984, as Atwood
Debt Counseling by Gail Atwood and Louise Cribbs. The name was changed to
Consumer Credit Counseling Service of Northeastern Iowa in 1987. |
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Service Area Service areas include 30 counties
of northeast Iowa and central Iowa. Our locations include:
Waterloo
1003 West Fourth Street
Waterloo, Iowa
50702
800-714-4388
waterloo@cccsia.org
Cedar Falls
Wesley Foundation
(across from UNI)
2422 College Street
Cedar
Falls, Iowa 50613
800-714-4388
waterloo@cccsia.org
Decorah
120 West Water Street
Decorah, Iowa 52101
800-714-4388
decorah@cccsia.org
Mason City
404 S. Monroe
Suite 202
Mason City, Iowa 50401
866-720-9050
masoncity@cccsia.org
Forest
City
102 North 4th Street
Forest City, Iowa
50436
866-720-9050
masoncity@cccsia.org |
Marshalltown
30 West
Main Street
Marshalltown, Iowa 50158
866-720-9048
marshalltown@cccsia.org
Grinnell
1030 Broad Street
Grinnell, Iowa 50112
866-720-9048
marshalltown@cccsia.org
Dubuque
810 Locust Street
(Fischer Arcade Building, Main Floor)
Dubuque, Iowa 52001
866-720-9049
dubuque@cccsia.org
Ames
1608 South Duff Avenue
Suite 300
Ames, Iowa 50010
866-723-7468
ames@cccsia.org |
Office hours are from 9:00 a.m. to 5:00
p.m. Monday through Friday. Evening appointments are available in all
locations. |
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Credentials
- CCCS became accredited by the Council on
Accreditation of Services for Families and Children in 1998.
- Became HUD-Certified housing Counseling agency in
February of 1995.
- Licensed by the State of Iowa.
- Bonded by the State of Iowa.
- All counselors are certified by Purdue University
Studies through the National Foundation for Credit Counseling.
- Member of the National Foundation for Credit
Counseling since 1988.
- Member of the Waterloo, Cedar Falls, Mason City,
Marshalltown, Dubuque, and Ames Chambers of Commerce
- Provide housing counseling for Waterloo residents
through Community Development Block Grant Program.
- Provide credit education for Habitat for Humanity
and the Salvation Army.
- Serve on Case Management Boards in Mason City,
Marshalltown, Ames and Waterloo.
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MoneyMap Education Courses MoneyMap is the name
of our series of educational programs. MoneyMap has several components.
First, we are proud to present the nationally acclaimed class called
Credit When Credit is Due which is a standardized course with pre and post
tests with measurable outcomes. The course teaches clients and students how to
gain and retain good credit. Anyone who successfully completes the class will
see that reward on his or her credit report. Actual events which occurred in a
credit counseling office were used to write the book.
Then, a course
called Get Checking is the second part of MoneyMap. Get Checking is designed to
help people learn to manage their checking accounts. Get Checking is possible
through a partnership with CheckSystems, e-funds, local lenders and Consumer
Credit Counseling Service of Northeastern Iowa.
Also as part of
MoneyMap, CCCS of Northeastern Iowa presents a course on renting practices
called Renting Today. Rental history is extremely important for people as they
ready themselves to buy their first homes or move to more expensive rental
properties. We present them with the tools necessary to be good renters. Karen
Atwood uses her 30-year experience as a landlord to provide the information.
Finally, we include a program called Make Your Move in our MoneyMap
series. This homeownership course is designed for people who want to buy their
first house. The course book is considered to be clear and easy to read.
Students learn from real-life situations so they can understand the entire
purchase process. |
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Other Educational Programs
Plastic Prison
Our Plastic Prison course is designed
specifically for college students. Credit cards find their way into young
adults' hands easily these days. This course teaches those who have their whole
financial life ahead of them how to handle the pitfalls of high credit card
debt.
Special Programs
Special programs such as employee
assistance and job training are also available to meet your individual needs.
CCCS-certified counselors teach these programs as well. |
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Funding SourcesCCCS of Northeastern Iowa is
supported by a number of funding sources including:
- National and local grants
- Programs
- Fee-for-service arrangements
- National and local creditors through their fair
share contributions
Most of our funding comes from voluntary
contributions from creditors who participate in our Debt Management Plans.
Those plans serve the dual role of helping you repay your debts and helping
creditors collect money owed them.
The voluntary contributions are
calculated as a percentage of payments you make through your DMP---up to seven
percent of the payment you receive. Your accounts with your creditors will
always be credited with 100 percent of the amount you pay through us and we
will work with your creditors regardless of whether they contribute to our
agency. |
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Accountability
- Audited annually by a private certified public
accountant
- Reviewed by the Division of Banking annually
- Audited by the Department of Housing and Urban
Development bi-annually
- Audited by the City of Waterloo for the Community
Development Block Grant annually
- Re-accredited by the Council on Accreditation every
four years
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