Financial Stability

Consumer Credit Counseling Services (CCCS) -This program provides individual financial counseling services to families and individuals, as well as debt management services. This program offers financial literacy education seminars, focusing on such topics as home budgeting and financial management, first-time home buying, avoiding identity theft, reducing consumer debt, and avoiding predatory lending schemes. Appointments are available in both the Raleigh and Durham office locations.

Bankruptcy Certification - Our agency offers on-line certification for Chapter 7 and Chapter 13 bankruptcy candidates. This certifcation is required by the North Carolina Courts to complete a bankruptcy filing. Click for more information.

Our CCCS division is certified by the National Foundation for Credit Counseling. Click for more information.






HUD-Approved Housing Counseling -This program, administered through our CCCS division, provides individual counseling to potential homebuyers, to homeowners who are behind or are in danger of falling behind on their mortgage payments, and to senior citizen homeowners who could benefit from a reverse mortgage. Appointments are available in both the Raleigh and Durham office locations.

• First Time Homebuyers - Individual counseling and all-day workshops to help you prepare for homeownership
• Foreclosure Prevention - Techniques to make the mortgage payment affordable or help with a loan workout
• Commissioner of Banks Referrals - Help with foreclosure prevention if you have been referred through the NCCOB (now part of the North Carolina Housing Finance Agency)
• Mortgage Payment Program - a program that can make your mortgage payments while unemployed or retraining
• Mortgage Zone - an evening workshop that covers all the details of government programs that assist homeowners who are struggling with making mortgage payments, explains how to complete a winning loan modification application, and details other ways in which homeowners can stay in their homes and avoid foreclosure.

The Homeowner Crisis Resource Center can help you resolve your housing issues. Click for more information.

Financial Literacy - We offer a variety of public classes throughout the year. In addition, we offer on-site workshops for businesses, schools, and the general community. We encourage you to attend our most popular workshop, The Empowerment Zone, which covers all the major budget, credit, and housing issues that clients bring to individual sessions.

• Catalog of public workshops
• Current public workshop schedule
• Latest Financial Freedom newsletter

Emergency Housing Assistance -This program prevents homelessness by providing emergency financial assistance and three months of intensive case management and budget counseling services to individuals and families who are facing imminent risk of eviction from their homes or who are already homeless and who are seeking help with first month's rent.


HPRP - Wake County and The City of Raleigh selected Triangle Family Services. These two well-respected agencies will operate HPRP for up to three (3) years. Funding for HPRP can be used for: Financial assistance (including rent payments), housing relocation and stabilization services. Program support must be directed to households with incomes that are at or below 50% of the area median family income, and are in danger of losing their housing or have already lost their housing. This funding cannot assist households with mortgage costs.