Consumer

What Consumer does

CONSUMER Credit Counseling of Puerto Rico (Consumer Credit Counseling Service of Puerto Rico, Inc., DBA CCCS-PR) is a private non-profit 501(c)(3) financial counseling organization founded in 1990 and headquartered in San Juan, Puerto Rico. The organization is affiliated with GreenPath Financial Wellness, a national non-profit financial wellness organization founded in 1961 that functions as its strategic parent. CONSUMER delivers services exclusively to consumers and businesses in Puerto Rico through a single San Juan office, phone hotlines (888-692-2650 and 787-722-8835), in-person visits, and online/video counseling sessions, with bilingual Spanish/English support.

The service portfolio spans three categories: financial counseling (Financial Coaching, Debt Management Program, Student Loan Counseling, Credit Report Analysis, Budget Analysis, and Bankruptcy Counseling), housing services (Mortgage Delinquency Counseling, First-Time Homebuyer Counseling, Reverse Mortgage Education, and Mandatory Mortgage Mediation under Puerto Rico Law 184 of 2012), and financial education (the Espacio Educativo Consumer LMS platform on LearnUpon, online paid courses, and group seminars/workshops). The organization is HUD-certified as a housing counseling agency, accredited by the Council on Accreditation (COA), and is a member of the National Foundation for Credit Counseling (NFCC). The underlying technology is the GreenPath Financial Wellness platform for operational tools and the LearnUpon-hosted Espacio Educativo Consumer for online education; no proprietary AI/ML systems are deployed.

Revenue is generated from Debt Management Program fees (a $35 enrollment fee plus an average $31 monthly administration fee), bankruptcy counseling courses ($50, waiveable), housing education courses ($60 individual / $80 couple), and creditor fair-share contributions that support DMP operations. Free offerings comprise budget analysis, credit report analysis, and financial coaching, which function as the top-of-funnel for the paid DMP pathway. Go-to-market is direct-to-consumer, augmented by group seminars provided to employers, government agencies, and community organizations. Leadership is provided by Executive Director David Flores and Deputy Director Ana M García, with a Board of Directors including Eugenio M Alonso (President), Rafael L. Llompart (Secretary), and Arturo Carrion (Treasurer).

Name

Consumer

Legal name

Consumer Credit Counseling Service of Puerto Rico, Inc.

Website

https://consumerpr.org

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

101–250 employees

Short description

CONSUMER Credit Counseling of Puerto Rico is a 501(c)(3) non-profit founded in 1990 that provides bilingual financial counseling, HUD-certified housing counseling, debt management programs, and bankruptcy counseling to individual consumers and community organizations throughout Puerto Rico as a GreenPath affiliate.

Ownership category

akta.pro rank

Product category

Credit Counseling Services

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro industry

PRIMARYFSAEAFAA

Consumer Credit Counseling & Budgeting

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Credit & Debt Advisory (Restructuring, Counseling & Settlement)

SECONDARYFSAKAJAH

Credit Counseling & Debt Management Plans (DMP)

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

SECONDARYFSAEAFAG

Bankruptcy Counseling & Pre-Filing Education

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Credit & Debt Advisory (Restructuring, Counseling & Settlement)

SECONDARYFSALAIAG

Reverse Mortgage Counseling & Consumer Education (HUD-Approved)

Financial & Insurance/Mortgage & Housing Finance/Reverse Mortgages

SECONDARYFSAKAKAJ

Credit Education, Monitoring & Consumer Credit Management Tools

Financial & Insurance/Lending & Consumer Finance/Credit Reporting, Scoring & Underwriting (Consumer)

Keywords

• Credit counseling services
• Debt management programs
• Housing counseling
• Financial education
• Bankruptcy counseling

Headquarters

HQ city

San Juan

HQ country

Puerto Rico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Debt Management Program fees: The organization charges program fees for its Debt Management Program (DMP). These include an enrollment fee of $35 and monthly administration fees of $31 on average. Additionally, bankruptcy counseling sessions cost $50. Housing education courses cost $60 for individuals and $80 for couples.
2. Creditor contributions: The organization receives contributions from creditors who support the Debt Management Program. Creditors understand the importance of supporting consumers in financial difficulty and contribute to sustain the program operations.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

CONSUMER Credit Counseling of Puerto Rico is a private non-profit 501(c)(3) financial counseling organization that provides personalized financial coaching, debt management programs (DMP), housing counseling (HUD-certified mortgage delinquency and foreclosure prevention), bankruptcy counseling, and financial education to individuals and families across Puerto Rico. Services are delivered by certified counselors in Spanish and English via phone hotlines, in-person office visits in San Juan, and online video sessions. The organization is an affiliate of GreenPath Financial Wellness, a national non-profit financial wellness network established in 1961.

Product overview

Consumer Credit Counseling of Puerto Rico (CONSUMER) is a nonprofit 501(c)(3) financial counseling organization affiliated with GreenPath Financial Wellness, founded in 1990 and serving Puerto Rico. The company offers a comprehensive suite of financial counseling services organized into three main categories: Financial Counseling (including Financial Coaching, Debt Management Program/DMP, Student Loan Counseling, Credit Report Analysis, Budget Analysis, and Bankruptcy Counseling); Housing Services (including Mortgage Delinquency Counseling, First-Time Homebuyer Counseling, Reverse Mortgage Education, and Mandatory Mortgage Mediation); and Financial Education (including the Espacio Educativo Consumer online learning platform with courses hosted on LearnUpon, online education courses, and group seminars/workshops). The organization is HUD-certified and NFCC-affiliated, providing services primarily in Spanish with certified counselors available by phone, in-person, or online.

Differentiator

Problem solved

Functional benefit

Brands

• Espacio Educativo Consumer: A free online financial education platform offering courses in Spanish on topics including credit building, budgeting, identity theft prevention, homeownership, and personal finance.

Products and services

• Asesoramiento Financiero (Financial Coaching) Personalized financial counseling service where certified advisors evaluate clients' financial situations, create customized action plans, and provide ongoing support to help them manage money effectively, reduce financial stress, and improve credit scores.
• Programa de Manejo de Deudas (Debt Management Program / DMP) Debt Management Program that consolidates unsecured debts (credit cards, medical bills, personal loans) into a single monthly payment, with Consumer negotiating lower interest rates with creditors on behalf of clients. Average savings of $29,700 in interest charges reported. Enrollment fee $35, average monthly fee $31.
• Asesoramiento de Préstamos Estudiantiles (Student Loan Counseling) Student loan counseling service that helps individuals with student loan repayment issues by contacting loan servicers to evaluate existing alternatives and preparing budgets for clients to meet payment agreements.
• Análisis de Informes de Crédito (Credit Report Analysis) Credit report analysis service that helps clients understand their credit reports, interpret sections, identify areas for improvement, and make informed decisions to strengthen their financial history. Service is free and confidential.
• Análisis de Presupuesto (Budget Analysis) Budget analysis tool and counseling service where certified financial counselors help clients identify income, expenses, and savings opportunities to achieve financial stability and avoid over-indebtedness. Service is 100% free and confidential.
• Asesoramiento de Bancarrota (Bankruptcy Counseling) Bankruptcy counseling service required by federal law before filing Chapter 7 or Chapter 13 bankruptcy. Certified counselors evaluate financial situations, review alternatives to bankruptcy, and help create personalized budgets. Counseling session costs $50.
• Orientación de Morosidad Hipotecaria (Mortgage Delinquency Counseling) Mortgage delinquency counseling for homeowners facing foreclosure or imminent default. HUD-certified counselors help analyze financial situations, explore alternatives to avoid foreclosure, and negotiate directly with creditors. Includes options like loan modifications and Reverse Mortgage programs.
• Orientación para Primeros Compradores de Vivienda (First-Time Homebuyer Counseling) First-time homebuyer counseling approved by HUD that evaluates financial situations, explains financing options, provides credit improvement advice, and explains requirements to qualify for mortgage loans in Puerto Rico.
• Educación de Hipoteca Invertida (Reverse Mortgage Education) Reverse Mortgage education and counseling for homeowners 62+ years old. HUD-approved counselors explain reverse mortgages, tax implications, payment options, associated costs, and alternatives. Certificate issued upon completion, valid for 180 days.
• Mediación Compulsoria de Hipotecas (Mandatory Mortgage Mediation) Mandatory mortgage mediation service under Puerto Rico Law 184 of 2012 for foreclosure proceedings on primary residences. Experienced mediators help explain loss mitigation alternatives available to qualifying homeowners.
• Espacio Educativo Consumer (Online Education Platform) Free online financial education platform offering courses including A1 Tool (credit fundamentals), identity theft prevention, homebuyer education series, and webinars like 'Querido GreenPath'. Hosted on LearnUpon LMS.
• Educación en Línea (Online Education Courses) Online education courses including pre-bankruptcy counseling course ('Consejería en Movimiento', $50), pre-discharge bankruptcy education ('Dinero en Movimiento'), and homeownership course ('Make Your Move', $60 individual/$80 couple).
• Charlas y Seminarios Grupales (Group Seminars and Workshops) Group seminars and workshops for businesses, institutions, and community organizations covering topics including financial planning, debt management, credit analysis, mortgage education, fraud prevention, and retirement planning. Offered for over 25 years in Puerto Rico.

Quantifiable outcome

• Average savings of $29,700 in interest charges through Debt Management Program
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerCONSUMER is affiliated with GreenPath Financial Wellness, a non-profit organization that has provided expert financial counseling since 1961. This partnership strengthens CONSUMER's services by integrating best practices, educational tools, and proven programs. GreenPath provides access to national resources, training, and operational support while CONSUMER maintains local expertise serving Puerto Rico consumers.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Money Management International (MMI): One of the largest U.S. non-profit credit counseling agencies, offering DMPs, housing counseling, bankruptcy counseling, and financial education. Directly comparable service mix, regulatory accreditation, and consumer target market to CONSUMER, though operating at national rather than island-wide scale.
• Clearpoint Credit Counseling Solutions: Non-profit HUD-approved credit counseling agency providing DMPs, bankruptcy counseling, student loan counseling, and housing services. Highly comparable in service breadth, regulatory standing, and non-profit structure; overlaps with CONSUMER's Puerto Rico offerings from a product-line perspective.
• Cambridge Credit Counseling Corp. Non-profit credit counseling agency offering debt management programs, financial education, and housing-related services. Comparable in service offerings, target audience (consumers in financial distress), and non-profit positioning to CONSUMER.
• GreenPath Financial Wellness: CONSUMER's parent organization and the most directly comparable peer — a national HUD-certified, NFCC-affiliated non-profit providing credit counseling, DMPs, housing counseling, and bankruptcy education across the U.S. Shared platform, brand, and operational model make this the closest functional comparison.
• Take Charge America: Non-profit credit counseling and debt management agency providing DMP, housing counseling, student loan counseling, and financial education services. Comparable service mix and consumer financial wellness target market, though operating primarily in Arizona and surrounding states.
• American Consumer Credit Counseling (ACCC): Non-profit HUD-certified credit counseling agency offering DMPs, housing counseling, bankruptcy pre-filing counseling, and financial education. Closely comparable to CONSUMER on service portfolio, regulatory standing, and non-profit consumer-distress positioning.
• InCharge Debt Solutions: Non-profit credit counseling and debt management agency offering similar services (DMP, housing counseling, bankruptcy education, financial education). Directly comparable to CONSUMER on regulatory accreditation (HUD, NFCC) and consumer financial distress target market.

Emerging players

• Apprisen (now part of MMI): Non-profit credit counseling agency offering financial counseling, debt management, and housing services. Highly comparable mission and service mix to CONSUMER; relevant as a regional non-profit credit counseling peer.
• National Foundation for Credit Counseling (NFCC): The umbrella membership organization to which CONSUMER belongs. Not a direct competitor but a peer ecosystem player that sets standards, provides member agency accreditation, and aggregates referral traffic to member agencies including CONSUMER.
• MoneyFit by DRS / Debt Reduction Services: Non-profit credit counseling organization providing DMPs, housing counseling, and financial education. Comparable service portfolio and consumer financial wellness positioning, though smaller scale and more limited geographic footprint than CONSUMER.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/CCCSPuertoRico
• Facebookfacebook.com/ConsumerPR
• LinkedInlinkedin.com/company/consumer-credit-counseling-services-of-pr
• Instagraminstagram.com/consumercreditpr

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consumer