简体中文
EnglishIs CCBC's Foreclosure Mediation Service Free and How Can It Help Homeowners?
Updated
Yes. According to Consumer Credit and Budget Counseling, Inc. (CCBC), its foreclosure mediation service is FREE. CCBC describes itself as a Premier Multi-State HUD housing counseling agency and states that it helps homeowners navigate the New Jersey Foreclosure Mediation Program. The service is aimed at homeowners who are entering the foreclosure process with their mortgage lender but do not understand what type of relief may be available to them.
What CCBC Says the Service Does
CCBC's site frames the problem this way: mediation can save a home from foreclosure, yet many homeowners go through the foreclosure process without understanding the relief options open to them. CCBC positions itself as the party that helps you navigate the Foreclosure Mediation Program.
In practical terms, that means the value of the service is informational and navigational:
- Understanding what foreclosure mediation is and how the program works
- Understanding the types of relief that may be available
- Getting guidance through the steps of the New Jersey Foreclosure Mediation Program
Who This Is For
This service is relevant if you:
- Are a homeowner facing foreclosure in New Jersey
- Have already entered (or are about to enter) the foreclosure process with your mortgage lender
- Do not understand what relief options may exist for your situation
- Want help navigating the mediation program rather than handling it alone
How to Get Started
The page evidence shows a phone number for CCBC: (844) 458-1857, listed alongside the agency's name, Consumer Credit and Budget Counseling d/b/a National Foundation for Debt Management. The site also states the agency has offices in New Jersey and Florida and operates nationwide as a non-profit credit counseling agency.
The page does not specify eligibility rules, required documents, or application steps for the foreclosure mediation service beyond describing it as free and focused on the New Jersey Foreclosure Mediation Program. If you want to confirm whether you qualify and what the process involves, calling the listed number is the direct route shown on the site.
What the Site Does Not Say
To avoid overreading the page:
- No pricing is listed for this service, and the page explicitly calls it FREE — but that statement applies to the foreclosure mediation service as described, not necessarily to every other program CCBC offers.
- No specific relief outcomes (loan modification, reinstatement, etc.) are named in the excerpt; it refers generally to "the type of relief that may be available."
- No timeline, eligibility criteria, or document checklist is provided on the page.
Related CCBC Services Worth Knowing
If your situation involves more than foreclosure, CCBC also lists:
| Service | What the site says |
|---|---|
| Online Homebuyer Certification Class | Online homeownership counseling and education certification for buyers who can't attend regular classes |
| Reverse Mortgage Counseling | Online appointment booking; framed as a big decision requiring full information |
| Online Landlord Education Certification | Meets lender requirements for landlord education certification |
| Credit Preparation for Homebuying | Works with your mortgage broker using credit tools and "What If" generators to improve your score |
| Student Debt Solutions® | Helps first-time homebuyers whose student loans make qualifying difficult |
| Credit and Budget Counseling | Customized debt management plan to eliminate credit card debt |
Bottom Line
CCBC states its foreclosure mediation service is free and that it helps homeowners navigate the New Jersey Foreclosure Mediation Program and understand available relief. The site does not detail eligibility or process steps, so the practical next step is to contact CCBC at the number listed on its site to confirm your situation fits the program.