All About Consumer Credit & Budget Counseling, Inc.

Company Name

Consumer Credit & Budget Counseling, Inc.


Russell Graves – Executive Director
Ralph R. Dyer – President
Judith R. Sorensen – Vice President
George E. Roe, Jr. – Chief Operating Officer

Physical Street Address

299 South Shore Road – US Route 9
Marmora , NJ 08223

Contact Information

ph: 888-738-8233
email: [email protected]


Description of Services Provided

Consumer Credit and Budget Counseling, Inc. (CC&BC) is a non-profit education and financial counseling agency founded in 1998 by members of the Graves Family. Each member brought their previous experience in the credit counseling industry as well as a commitment to treat each client with compassion and understanding. CC&BC is a HUD approved housing agency that provides comprehensive housing counseling services, credit and budget counseling, debt management plans, pre- & post-bankruptcy counseling and financial education workshops and seminars to all age groups within the community.

What Makes Us Special

What makes Consumer Credit & Budget Counseling, Inc. special is our commitment to our clients. Our goal is to educate individuals and families, enabling them to reach their financial goals and solve their financial problems through a variety of education and counseling options. We know that there isn’t just one solution to fix our client’s financial difficulties, but we believe that financial education is the key component to success. Empowering our clients with knowledge and options is what sets our agency apart from others in the industry.

Our Philosophy in Assisting People

Consumer Credit & Budget Counseling, Inc. believes that each client’s situation is unique and that one solution doesn’t fit all. In order to provide a comprehensive individualized plan to meet the client’s goals we review the client’s overall financial well-being including analyzing their monthly budget, unsecured debt, debt-to-income ratio and overall financial condition. This comprehensive review allows our agency to provide the client with the best options for their unique situation.

Fee Schedule

Fees vary by state regulations and guidelines and fees are reduced and/or waived based upon the poverty guidelines established by the US Department of Health and Human Services.

Client Satisfaction Policy

Consumer Credit & Budget Counseling, Inc. prides itself on making client satisfaction our number one priority. Our agency has maintained an A+ rating with the Better Business Bureau which shows our ongoing commitment to make a good faith efforts to resolve any and all consumer complaints.

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The information contained on this page was provided by the company itself as a way to introduce themselves to the public. It has not been independently verified.

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1 thought on “All About Consumer Credit & Budget Counseling, Inc.”

  1. Ralph R. Dyer – PresidentJudith R. Sorensen – Vice PresidentGeorge E. Roe, Jr. – Chief Operating Officer

    I ain’t real clear on my southern relationships, but I think these folk are all kin!!!


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