Please create a USER NAME and click REGISTER.
You will be assigned an identification number, (Client ID) and a personal identification number, (PIN). Write down your ID/PIN and store it in a safe place. Click NEXT to continue with the online process.
*For your security, the system will time you out if there are periods of inactivity. Always click SAVE to preserve your information.
Thank you for registering.
FamilyMeans is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. FamilyMeans regards all client data as private under the Minnesota and Wisconsin data privacy laws and rules and federal statutes where applicable, unless otherwise indicated by law. Your “personal financial information”, such as your total debt information, income, living expenses and personal information concerning your financial circumstances, will be provided to creditors and, possibly others with your specific authorization. We may also use aggregated case file information for the purpose of evaluating our services, gathering valuable research information and designing future programs. Your anonymity will be maintained through the use of your client number or by using aggregate data in all circumstances.
In all other situations, your information may be released to appropriate individuals or agencies ONLY UPON YOUR WRITTEN REQUEST or when our staff has been served by a valid subpoena.
The following PRIVACY PRACTICES detail circumstances under which we will release your information to a third party:
If you are joining a Debt Management Program, the following release authorizes communications between CCCS -FamilyMeans and your creditors (third parties) to assist in the negotiation of a reasonable payment plan. As noted above, if you are not joining a DMP, no information will be shared or disclosed, according to the law.
Release: I hereby authorize CCCS - FamilyMeans to release all non-public information it obtains about me to my creditors and any third parties necessary to resolve the matter(s) discussed during my counseling session. I further release and authorize all of my creditors to provide non-public information about me to CCCS - FamilyMeans.
Consumer Credit Counseling Service
Welcome! FamilyMeans CCCS offers free Budget and Credit Counseling to MN & WI residents. We assess your household finances and explore debt repayment options. To help you understand student loan repayment options, we also offer Student Loan Counseling. To GET STARTED online, choose 'Debt Management' below.
Already have a client ID & PIN?: Click Here Please do not create a new account.
If you do not have an ID & PIN: Choose the Debt Management option below and click NEXT to begin. Read the Privacy Notice and Disclosure Policy - click ACCEPT if you wish to continue to the registration page.
Before you begin, it will be helpful to have the following available:
NOTE: For a full assessment (may take you 30 minutes or more) you must complete the Expense and Debt sections. Once you "Submit", you will hear from us the next business day.