Guidewell Financial Solutions, formerly Consumer Credit Counseling Service (CCCS) of Maryland & Delaware, is an accredited non-profit financial literacy advocate providing confidential budget and credit counseling; financial coaching;  housing pre-purchase and first time homebuyer education and training; reverse mortgage and  foreclosure counseling; loss mitigation assistance; bankruptcy pre-file counseling and pre-discharge education. Guidewell Financial Solutions is a member of the National Foundation for Credit Counselors (NFCC) and is accredited by the Council on Accreditation. Approved to provide bankruptcy certificates (pre-file and pre-discharge). Offers telephone counseling to individuals and families. Our branch offices also provide face-to- face counseling in Delaware (Wilmington) and Maryland (Baltimore, Parkville and Bel Air). Some services provided on-line.