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This profile was last updated on 5/7/14  and contains information from public web pages.


Consumer Credit Counseling Service of NJ , Inc.
Phone: (214) ***-****  HQ Phone
Local Address:  Cedar Knolls , New York , United States
Consumer Credit Counseling Service INC
8737 King George Drive
Dallas , Texas 75235
United States

Company Description: Consumer Credit Counseling Service of Greater Atlanta is a 501(c)3 nonprofit community-service agency that provides confidential budget counseling, money management...   more
Web References
Caucus: New Jersey, 7 May 2014 [cached]
We also speak with Marge Derrick, a counselor at Consumer Credit Counseling Service of NJ, Inc., which is a non-for profit agency, who speaks to the poor habits that most people have in managing their own money.
The Observer: Weekly Newspaper, 10 May 2006 [cached]
Marge Derrick, senior counselor at Consumer Credit Counseling Service of New Jersey, said most credit cards are issued by national or regional banks.
"Smaller banks don't have the capacity to do that," Derrick said.
The Cedar Knolls-based organization offers services including budget and credit counseling, money management programs, as well as programs for college students."We offer them the ability to pay debt on their own with the resources they already have.We also offer a debt management program," Derrick said.
The organization works with the New Jersey Higher Education Student Assistance Authority on a project called "Real Money 101," which is offered in colleges throughout the state and deals with default prevention on student loans.
"It teaches kids about financial literacy in areas including banking, investments, student loans and credit cards," Derrick said."Before they get a line of credit, they should have a real sense of their income and living expenses.Once they have that in place, and grasp what a balanced budget means, they can incorporate credit into the process."
Derrick said 18 years of age is a mature age to open a line of credit, as long as they understand how to spend money within a budget and pay it off on time.
"We advise they pay it off in full every month to avoid finance charges and other fees.Paying late will affect your credit history down the road," Derrick said.
Derrick said the national average of college students graduate with a $3,000 debt load in credit.
"It just creeps up.We advise that once you become employed, make a commitment to becoming debt-free."Derrick said.
These items are often left out, ..., 28 Nov 2007 [cached]
These items are often left out, says Marge Derrick, a credit counselor with Consumer Credit Counseling Service of New Jersey, in Cedar Knolls.
# Look for things to cut from your expenses, Derrick says.
Start with the easy things like clothes, entertainment or gifts.
North Jersey Media Group, 14 Feb 2003 [cached]
"If they really understand the difference between their needs and their wants, they aren't going to fall into the trap of using credit as income, and ultimately they'll have the ability to invest for the future and for the things they really want out of life," said Marge Derrick, a counselor with the Cedar Knolls-based Consumer Credit Counseling Service of New Jersey.
North Jersey twentysomethings say their financial concerns fall into several areas: student debt, living on a beginner's paycheck, saving for the future, and credit card debt.
Here's a closer look:
Credit cards
Online World » Card Company Counseling Credit, 21 May 2005 [cached]
North Jersey Herald & News - ... left out, says Marge Derrick, a credit counselor with Consumer Credit Counseling ... Make sure you tell the credit reporting company anything that is wrong with your report. ...
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