Financial Planning/Credit Counseling

On Campus


Hours: Monday through Saturday, with hours on campus by appointment.
Employee Assistance Program
Area Served: William Paterson University
Eligibility: Faculty, staff and their household members
Fees charged: Free

The EAP is a service for William Paterson University faculty and staff and their household members. The EAP offers confidential short term counseling and referral for problems ranging from work-related concerns to personal difficulties that affect an individual's everyday life. Trained counselors help with problems such as career issues, child care, elder care, family and workplace relationship problems, finances, health care, mental health, retirement, substance abuse, and Work/Life balance.

Off Campus

National Foundation for Credit Counseling

NFCC is the nation’s largest and longest serving national nonprofit credit counseling network. With more than 1,000 community-based agency offices across the country, NFCC Members help over 1.5 million households annually

Consumer Credit Counseling Service
185 Ridgedale Ave.
Cedar Knolls, NJ 07927-1812
Phone: (888) 726-3260
Hours: 8:30 am - 4:30 pm, Mon - Fri; Sat (some locations) by appointment
Area Served: New Jersey
Eligibility: Need for services
Fees Charged: One time fee of $35

Confidential budget advice and credit counseling. No eligibility requirements for counseling. Debt Management Program assists clients in formal plan to repay debts. Call or write for appointment. Seminars on credit/budgeting available. Agency has 3 other in-house counseling sites in NJ; contact Cedar Knolls office for information. Provides both in-person and telephone counseling. Caller must make initial appointment through main phone number.

NJ Citizen Action/Mortgage & Credit Counseling Program
400 Main Street
Hackensack, NJ 07601
Phone: (800) 656-9637
Hours: 9 am - 5 pm, Mon -Fri; evenings by appointment
Area Served: New Jersey
Eligibility: Low and moderate income families, including single women who are heads of households
Fees Charged: $15 for credit report

Offers free credit counseling service to low and moderate income New Jersey residents.

Rutgers Cooperative/Morris/Family and Consumer Sciences
PO Box 900
Morristown, NJ 07963-0900
Phone: (973) 285-8302
Hours: 8:30 am - 4:30 pm, Mon - Fri
Area Served: Morris County
Eligibility: None
Fees Charged: Vary by program

Provides community education through newsletters, videos, and workshops related to financial management, retirement planning, home purchasing and financing, and family relations including parenting. Home study courses available on home record keeping, adult children living at home, investing for your future, adjusting to living alone after becoming separated, divorced, or widowed.

Debtors Anonymous/NJ/PA Intergroup
St. Luke's Episcopal Church
Metuchen, NJ 08840
Phone: (877) 717-3328 NJ Hotline
Hours: 24 hours
Area Served: New Jersey , Pennsylvania and surrounding areas
Fees Charged: None

Fellowship that follows the 12-step program for mutual help in recovering from compulsive indebtedness. Primary purpose of members is to stay solvent and help other compulsive debtors achieve solvency. Meetings, newsletter, phone support network. Write to Needham , MA, address or New Jersey address for information.

NCJW Center for Women/Financial Fitness for Women
513 West Mount Pleasant Ave., Suite 325
Livingston, NJ 07039
Phone: (973) 994-4994
Hours: 6:30 pm - 8:30 pm,Tue (by appointment only)
Area Served: Morris, Essex and Surrounding Communities
Eligibility: Women who have financial concerns
Fees Charged: $12.00 for a 30 minute appointment

Advice to determine how best to approach a financial concern. Areas covered include creating a budget, debt management and investment basics.
6 Taft Court
Rockville, MD 20860
Phone: (973) 680-3328
Area Served: US
Eligibility: Persons in debt, facing foreclosure or bankuptcy, and/or persons who wish to control overspending
Fees Charged: None

On-line debt counseling agency that helps people to consolidate debt, pay bills and eliminate debt, avoid bankruptcy and foreclosure, control spending, and bring credit cards current. Services include free publications, on-line bookstore, private on-line chat services, and E-mail debt support group.

Garden State Consumer Credit Counseling
49 Orient Way, 1st Floor
Rutherford, NJ 07070
Phone: 1-800-77-BILLS (800-772-4557)
Hours: Monday through Thursday 8:00am-8:30pm
Friday 8:00am-5:00pm
M-Th, 8 am - 8:30 pm, Friday 8 am - 5 pm, Saturday 9:00am-2:00pm
Area Served: New Jersey
Fees Charged: None

GSCCC is a Financial Management Service agency providing credit counseling, budgeting, and financial education to consumers in need. The first step is to have your financial situation assessed by one of our Certified Credit Counselors. Your counselor will carefully review all of your financial information to develop an action plan to help you get back on the road to financial stability.