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| Credit counseling organizations listed in our directory certify that they are licensed to do business in States that require such license. |
| CCCS of Central New Jersey A Division of Family Guidance Center | 888-379-0804 |
| CCCS of New Jersey, Inc. | 973-267-4324 |
| CCCS of South Jersey | 800-473-2227 |
| Family & Children's Service CCCS Division | 732-531-7272 |
| Garden State Consumer Credit Counseling | 800-992-4557 |