Client Services

Action Pathways offers a comprehensive approach to meeting the unique needs of each individual client. The Client Services division is focused on a holistic approach to supporting clients achieve employment, education, and financial success. We do this through 2 distinct programmatic functions—Consumer Credit Counseling Services (CCCS) and ASPIRE Self-Sufficiency (CSBG).

(910) 223-0116, option 1
321 Dick St.
Fayetteville, NC 28301

(910) 249-4805
305 County Complex Bldg. B. St: 140 Clinton, NC 28382

(910) 323-3192
316 Green St.
Fayetteville, NC 28302

smiling teen with AP and CCCS.jpg


SOUTHERN PINES— Consumer Credit Counseling Services, a division of Action Pathways, will be relocating their Southern Pines branch office on September 1, 2016.  Their new location will be within Sandhills Community Action Program located at 340 Commerce Ave. Suite 20, Southern Pines, NC 28387.  Consumer Credit Counseling holds office hours in this location every Tuesday.  For more information, or to make an appointment, please call (888) 381-3720 or visit:

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Consumer Credit Counseling Services will not be participating in VITA this year.

Anyone seeking free tax assistance can go to the Catholic Charities that is by appointment only at 726 Ramsey St. Suite 10 &11 Fayetteville NC. You can set up an appointment by calling (910) 424-2020 ext 31 OR to the Fayetteville Senior Center, which is on a first come first serve basis. Location:739 Blue St. Fayetteville NC. The center can be contacted by calling: (910) 433-1574.


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About CCCS

cccs_logo.pngConsumer Credit Counseling Service of Fayetteville (CCCS) is a non-profit service and a member of the National Foundation for Consumer Credit (NFCC). We are accredited by the Council on Accreditation for Children and Family Services and certified by the Department of Housing and Urban Development (HUD) to provide comprehensive Housing Counseling services. We have provided quality services to our community for almost 30 years.

As a Neighborhood Financial Care Center, a variety of services are offered to help our clients achieve their financial goal. Services include education in the wise use of credit and assistance with resolving debt problems through counseling and debt management programs.

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Home Ownership

homeownership.gifIf you are behind in your mortgage payment or think that you will become delinquent on your mortgage, talking with your lender may be the last thing you want to do. Most borrowers facing foreclosure are frightened and feel less intimidated talking with a housing counselor. Our certified counselors can help you address the underlying issues that are keeping you from making your payment on time. Moreover, they can facilitate communication between you and your lender. More importantly your counselor can help you understand your options and offer long-term solutions.

If you are unable to pay your mortgage payment, the first thing to do is call your lender. Then call your local housing counseling agency, such as CCCS, to discuss your options and receive assistance with your proposal to the lender. Depending on your situation and circumstances, the following options may be available to you:

  • Forbearance-The lender might postpone legal action and work out a repayment plan that is affordable for you.
  • Repayment Plan-The lender will allow you to pay extra each month until you are caught up.
  • Note Modification-If you have an adjustable loan, the lender might freeze the interest rate before it increases, drop the interest rate, or extend the amortization period.
  • Refinance-If you have sufficient equity, the lender could add the back payments to your loan balance.
  • Partial Claim-There is certain government loans which contain provisions that allow you, if you meet specific criteria, to apply for another loan, paying back the missed payments.
  • Reinstatement-Within a limited timeframe, you are able to bring mortgage payments current, pay attorney fees and stop foreclosure.
  • Sell your home
  • Pre-Foreclosure Redeem or Short Sale. A short sale will negatively affect your credit, but not to the extent as a foreclosure would. Best used when home is worth less than what you owe.
  • Deed-in-lieu of foreclosure- You could deed the property back to the lender, and the lender could forgive the mortgage. This option affects your credit the same as a foreclosure would.

Housing Counseling Request Form

Call us today at (910) 323-3192 to set up your appointment!

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Financial Literacy

Providing financial knowledge empowers us to create wealth in the communities we serve. This makes a more economically viable community as a whole. We offer a variety of standard and customizable workshops, seminars and information to companies, employers, libraries, military groups, faith-based and civic organizations, and to the community. Some of our most popular offerings include the following:

  • First-time Homebuyers’ Workshop
  • Bankruptcy Education
  • Credit Basics
  • Youth Financial Literacy
  • Financial Basics for Students
  • Food & Finances
  • Protect Your Identity
  • Spend or Save
  • Budgeting
  • Avoiding Scams

We can gladly offer any of our workshops at your next event or customize one to meet your unique needs! Contact us today at (910) 323-3192, ext. 4721 for more information.

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Financial Counseling

Whether you are struggling financially or simply need a little extra guidance and advice, let our qualified team of financial counselors help you develop a clear path to your financial future.

Whether you need help reviewing your credit report, understanding savings and banking, or navigating investments, CCCS of Fayetteville is here for you. We are committed to a culture of service to our clients, treating each person with the dignity and respect you deserve.

CCCS of Fayetteville is a member of the National Foundation for Credit Counseling, the national agency responsible for promoting the national agenda for financially responsible behavior and building capacity for its members to deliver the highest quality financial education and counseling services. This means that we are a trusted community partner with the resources to help you today!

Looking for a way out of credit card debt or unable to pay your mortgage due to some hardship? Please fill out a Financial Counseling request form and email it to [email protected] or call (888) 381-3720 to schedule an appointment with our certified financial and housing counselors.


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Debt Management

In debt over your head? Does the stress of bills keep you awake at night?

It can happen to anyone: layoff, divorce, medical emergency, too many credit cards, lack of money management training. Whatever the reason, we can help you avoid the collection calls and take control of your financial future.

If you have stopped answering the phone and opening your mail, or you are in trouble and don't know where to turn, know you are not alone. We can help you.

Millions of Americans are working their way through tough times. It is important that consumers who are over-extended financially understand that the right kind of help is available through legitimate organizations like CCCS.

Georgetown University Credit Research Center announced the results of a three-day study on the change in consumer financial behavior after receiving credit counseling services. The study, "The Impact of Credit Counseling on Subsequent Borrower Credit Usage and Payment Behavior," validates the support CCCS agencies provide to consumers seeking counseling through their offices. At the conclusion of the analysis, the value directly attributed to counseling is demonstrated through significant improvement in credit scores, fewer late payments, lower credit card balances, and less frequent use of credit lines.

All you have to do is take the first step. We will help you do the rest. Call today to find out more about our debt management plans available. (910) 323-3192.

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Make a Payment

You can make a payment for the following CCCS services:

  • Reverse Mortgage Counseling Fee- $135
  • Student Loan Counselling Fee- $95
  • Pre-Bankruptcy Counseling Fee- $40
  • Post-Bankruptcy Workshop Fee- $50
  • Housing Pre-purchase Counseling Fee- $95
  • Financial/Credit Counseling Fee- $95
  • Debt Management Program Set-up Fee- $38
  • Follow-up Appointment- $50

Click here to make a payment!

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Tax Preparation


As a member of the NC VITA Coalition, CCCS operates an IRS-approved and funded free tax preparation site.

The Volunteer Income Tax Assistance (VITA) Program provides free tax preparation services for low-to-moderate income families through the use of certified, volunteer preparers. These sites typically are able to maximize available credits and refunds, resulting in more money in your pocket!

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aspire_logo.pngASPIRE stands for Achievement, Success, Progress, Independence, Readiness and Evolve, all words that exemplify ASPIRE’s principles and beliefs.

ASPIRE is a comprehensive program that assists individuals and families attain the skills and knowledge that are needed in order to rise above poverty.

Our Goal

Our goal is to assist individuals and families attain the skills and knowledge needed to rise above poverty, no matter what stage of life they are at, by giving them the guidance they require through mentorships, trainings and support.

Is ASPIRE for you?

Are you in crisis mode? Are you finding that you aren’t able to make ends meet or that you or your family are going without food? Do you know that it is time to make a change in your life but don’t know how to make that change?

If yes, then ASPIRE is the program for you.

Do you have a job but aren’t really satisfied? Are you looking to make a personal change and don’t know where to begin? If so, then ASPIRE is the program for you.

Mission Statement

ASPIRE’s mission is to promote strong work ethics, economic literacy, and positive family values throughout Cumberland and Sampson County.

Who qualifies for the ASPIRE program?

Since funding is limited, individuals are selected to participate in the program based on whether you are a resident of Cumberland or Sampson County; income must be at or below federal poverty guidelines; must be willing to comply with program guidelines; must be willing to seek and obtain employment; and must be ready and motivated to accomplish goals geared toward obtaining employment.

What are the benefits of being enrolled in the ASPIRE Program

The ASPIRE program will help you gain the skills and knowledge to obtain proper employment. Workshops and seminars will be given on resume building, goal setting and personal achievement, decision making, anger management and financial literacy. Workshops are based on the needs of the participants.

ASPIRE will also assist participants with financial budgeting, transportation assistance, maintaining affordable and safe housing and nutrition assistance. * Please note that we do NOT provide emergency assistance services.

Your Case Manager will be with you throughout the entire process and will give you the proper motivation and support when needed.

What can I expect once I enroll?

You can expect us to provide reasonable and appropriate supportive services to enable the family to attain skills, knowledge and motivation to secure the opportunities needed to rise above the Department of Health and Human Services Poverty Income Guidelines for its household size, to assist at least one family member in obtaining employment through counseling and referrals to existing job readiness and job placement programs and to assist participant’s in acquiring needed resources.

What is expected of me?

  1. To attend ASPIRE Workshops or ASPIRE seminars and complete the following activities: Resume and Cover letter, Family Budget, Work History and Education History, and any other assessments that may be relevant and appropriate to participant’s situation.
  2. To complete an Action Plan that is representative of the Participant’s goals and activities to reach those goals. The Participant also agrees to follow-through on the activities contained in that Action Plan.
  3. To abide by this Agreement of the Program and to ensure participation and cooperation of all family members that are in the program.
  4. That the family will at to rise above the poverty level by utilizing resources designed to assist them in solving their problems as agreed to between program staff and the participant and reflected in the Action Plan.
  5. To fully cooperate with program staff and agree to follow-up contacts on a bi-weekly basis during agreement period. When the participant misses a session, the ASPIRE program staff will send a “No Show” letter. After two (2) consecutive misses the participant may be discharged from the program.
  6. To begin Employment and/or Education/Vocational Activities within three (3) months or be discharged from the program.
  7. To provide grades, certificates and degrees as a result of participation in educational/vocational activities.

How to apply

Anyone interested in participating must first fill out an application and attend a mandatory orientation in order to be considered. For more information please call (910) 223-0116, option 1.

Click here to download an application.

Documents needed to apply

Proof of income for all household members for the past 90 days
Photo identification and social security cards for all household members

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Partner with ASPIRE

Are you a business looking to hire motivated individuals who are looking to make a change? If so, ASPIRE would love to partner with you.

Employment Pilot Program

The Employment Pilot Program is Cumberland Community Action Program, Inc.’s response to the need to create new jobs and get members of the community employed. The program offers subsidized employment and job training for our ASPIRE program participants in public, private, and non-profit sectors of the workforce.

The Employment Pilot Program will contribute to the creation and retention of jobs for Cumberland County residents, and through wages earned and spent, program participants will contribute to the county’s economy.

What do I get out of partnering with ASPIRE?

By partnering up with the ASPIRE program you are taking the first step in helping members of your community obtain employment.

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Client Information and Notices

Client Bill of Rights:

We pledge that our clients have the right:

To prompt counseling services for managing their money based on their financial situation;

To treatment with dignity and respect in confidential professional counseling sessions;

To a comprehensive assessment of their financial situation including an appropriate action plan;

To express dissatisfaction through a complaint resolution process; and

To discontinue their relationship with our agency at any time.

Gramm-Leach-Bliley Act:

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do in compliance with Gramm-Leach-Bliley Act.

The types of personal information we collect and share depend on the service you have with us. This information can include:

  • Social Security number
  • Account balances and payment history
  • Credit history and credit scores
  • Non-public private information

Non-public information is collected for the purpose of providing you with the best service possible. Information is never shared with third parties without your consent; and is only done so acting on your behalf. We never share personal or identifying information for marketing purposes or purposes other than client education and debt management services.

All financial companies need to share customers' personal information to run their everyday business. For example, clients enrolled in our debt management program will need to allow CCCS counselors and staff to communicate with debtors on their behalf. Personal information may be exchanged to facilitate normal business.

We will maintain your personal information for a period of 3 years after you are no longer our customer. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. Files and information are protected in secure storage and/or encrypted data centers. In the event of a security breach, CCCS will notify you immediately for your own protection.

For more information about the Gramm-Leach-Bliley Act, please visit

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