Support the Consumer Credit Counseling Service
Gateway is the oldest social service agency in Birmingham, established as the Mercy Home in 1891 by twelve women who recognized that there were people in their community that needed help...and no one else willing and able to provide it.
The modern agency recognizes that people still need help and provides counseling, intervention, education, prevention, and foster care, all to meet its mission.
One of Gateway's programs is the Consumer Credit Counseling Service (CCCS), a national non-profit program, that helps people get out of debt, avoid bankruptcy and learn to manage their money.
All services are strictly confidential and include:
Debt Management Plans (DMP), through which a family's debt is analyzed and repayment plans are negotiated with their creditors. DMP clients make a single payment to CCCS, which then pays creditors according to the negotiated agreement.
Budgeting - Trained and experienced counselors work with individuals and families to examine both revenues and expenses and to devise budgets designed to promote financial stability
Mortgage Counseling - Allows potential homeowners to plan for the mortgage process by analyzing current finances, identifying "red flags," and planning future actions to prepare for home ownership.
Foreclosure Counseling - CCCS staff members will advocate for clients at risk of foreclosure to determine what, if any, steps can be taken to prevent foreclosure
Community Education - The staff of Gateway's Consumer Credit Counseling Service provide financial education services to groups throughout the community.