On CampusCONCERN EAP1-800-242-7371Hours: Monday through Saturday, with hours on campus by appointment. Employee Assistance ProgramArea Served: William Paterson UniversityEligibility: 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 Counselinghttp://www.nfcc.org/ 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 Service185 Ridgedale Ave.Cedar Knolls, NJ 07927-1812Phone: (888) 726-3260Email: firstname.lastname@example.orgHours: 8:30 am - 4:30 pm, Mon - Fri; Sat (some locations) by appointmentArea Served: New JerseyEligibility: Need for servicesFees 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 Program400 Main StreetHackensack, NJ 07601Phone: (800) 656-9637Email: email@example.comHours: 9 am - 5 pm, Mon -Fri; evenings by appointmentArea Served: New JerseyEligibility: Low and moderate income families, including single women who are heads of householdsFees Charged: $15 for credit report Offers free credit counseling service to low and moderate income New Jersey residents. Rutgers Cooperative/Morris/Family and Consumer SciencesPO Box 900Morristown, NJ 07963-0900Phone: (973) 285-8302Email: firstname.lastname@example.orgHours: 8:30 am - 4:30 pm, Mon - FriArea Served: Morris CountyEligibility: NoneFees 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 IntergroupSt. Luke's Episcopal ChurchMetuchen, NJ 08840Phone: (877) 717-3328 NJ Hotlinewww.njpada.orgHours: 24 hoursArea Served: New Jersey , Pennsylvania and surrounding areasFees 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 Women513 West Mount Pleasant Ave., Suite 325Livingston, NJ 07039Phone: (973) 994-4994Email: email@example.comHours: 6:30 pm - 8:30 pm,Tue (by appointment only)Area Served: Morris, Essex and Surrounding CommunitiesEligibility: Women who have financial concernsFees 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. Myvesta.org6 Taft CourtRockville, MD 20860Phone: (973) 680-3328Email: firstname.lastname@example.orgArea Served: USEligibility: Persons in debt, facing foreclosure or bankuptcy, and/or persons who wish to control overspendingFees 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 Counseling49 Orient Way, 1st FloorRutherford, NJ 07070Phone: 1-800-77-BILLS (800-772-4557)www.gardenstateccc.orgHours: Monday through Thursday 8:00am-8:30pmFriday 8:00am-5:00pmM-Th, 8 am - 8:30 pm, Friday 8 am - 5 pm, Saturday 9:00am-2:00pmArea Served: New JerseyFees 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.