Consumer Credit Counseling Can Help

     Consumer Credit Counseling Service of New Hampshire and Vermont (CCCS) was founded in 1972 with the assistance of three community banks. As a member of the National Foundation for Credit Counseling, CCCS operates eleven    offices in New Hampshire and five in Vermont. All of their counselors are professionally trained and certified. They are also accredited by the Council on Accreditation of Services for Families and Children, Inc. Their services are available to all residents of New Hampshire and Vermont.
How they help:
     Often, people start to feel like their bills     control them. CCCS shows you how to take charge of your money. Face-to-face, online, or over the telephone, they provide confidential counseling and assistance to families and        individuals needing guidance in managing their money, use of credit and debt repayment.
Their services include:
- free, confidential budget counseling
- credit report review service to help you understand and improve your credit score
- low-fee debt management programs in serious cases
- public education seminars throughout New Hampshire and Vermont.
If you're searching for a way to regain  control of your spending habits, if you feel that you can't handle your credit repayment responsibilities, or if you want information on how to     approach a major purchase such as buying a home, they can help.
They also conduct informational programs for public audiences. On February 14th,  they will present an after-lunch program on "Basic      Banking," followed on Feb. 20th by one on "Cash Management" and on Feb. 28th by one on "Credit  Reports."
     For more information, check out their website at www.cccsnh-vt.org, call them at 1-800-327-6778 or write to them at Consumer Credit Counseling Service, PO Box 818, Concord, NH 03302-0818.

Free Legal Advice Clinic
Monday, Feb. 11, 2008
(Must be VT resident over age 60)
Appointment needed: 295-9068

     Attorneys from the Senior Citizens Law          Project, will provide  20-minute free consultations, by appointment.  They can give advice or offer         referrals on wills, powers of attorney, small claims issues, landlord/tenant disputes, benefit claims (Social Security, SSI, Medicare, Medicaid, etc.), debt collection, consumer issues, bankruptcy, and other civil legal matters. They can not help with criminal cases or problems. Also, it must be your own problem, not one primarily concerning a    family member or neighbor.
     For more information, call the Senior Citizen's Law Project at 1-800-889-2047.

Cover/ReCover in WRJ

COVER, located in the old Catamount  Brewery building in downtown WRJ, is a Home   Repair and ReUse program. Its mission is to build community and foster hope through cooperation and fellowship among all home repair and reuse participants.
Their Home Repair program is simple: "Shake hands with strangers at the beginning of the day. Hammer a nail, measure a board, cut shingle. Learn to do something you've never done before. Work hard. At the day's end, shake hands with friends."
The ReCover Store, which provides funds for the Home Repair program, diverts usable items from the landfill to good use and offers good    merchandise at very reasonable prices to those who otherwise would not be able to afford them.
To find out more about this community    resource, come to Bugbee Senior Center on Tues., Feb. 12th, to hear a presentation by Rob Shultz after lunch. You can also visit their website at www.coverhomerepair.org or call them at 296-7241.

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