• Consumer Credit Counseling Service (CCCS) of Northern Illinois


    Financial Advisors

    About Us

    The mission of Consumer Credit Counseling Service of Northern Illinois, Inc. is to improve the quality of life in our community by promoting financial responsibility through counseling, education and debt management services.
    CCCS serves all clients regardless of race, color, religion, national origin, sex, age, family status or physical or mental disability.

    We have counseling locations in McHenry, Kane, and Lake Counties. Please call for further information: 815/338-5757.

    What Does Consumer Credit Counseling Service of Northern Illinois Offer?
    Confidential credit and debt counseling designed to organize your income and expenses and get you on the road to financial stability.
    Debt Management Programs to help you repay your unsecured debt with lower interest and fewer fees.
    Budgeting and Credit classes to teach you how to manage your financial affairs and avoid common money-handling mistakes.
    Pre-purchase homebuyer classes to help you decide whether homeownership is the best decision for you. These classes may also qualify you for substantial down payment assistance programs.
    Free Mortgage Default and Foreclosure Prevention Counseling enabling you to retain homeownership if you are able to make the regular payments going forward.
    Reverse Mortgage Counseling for seniors desiring to stay in their homes by using their equity to produce lump sums for current needs, annuity payments and lines of credit for ongoing needs.
    Pre-filing Bankruptcy Counseling, now mandated by the U.S. Trustee, to provide options


    Rep/Contact Info

    Erika Chavez
    Credit Counselor-Elgin
    • Phone: (815) 338-5757
  • SBA disaster assistance for the recent civil unrest SBA disaster assistance for the recent civil unrest

    In response to a request by Governor Pritzker, SBA Administrator Jovita Carranza issued a disaster declaration, making low-interest loans available to cover uninsured or underinsured losses related to civil unrest. Anyone affected by these events – homeowners or renters, businesses and nonprofit organizations – is eligible to apply.

    How To Apply

    U.S. SBA Fact Sheet - Disaster Loans

    News Release




  • We're so proud to be a member of this community, and enormously appreciative of the hard work the chamber has done to help local businesses. You're an invaluable resource, and one we're thankful for! Midwest Bone & Joint Institute 

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