Empowering Individuals
Our team is dedicated to providing expert guidance on housing issues, debt management, bankruptcy, and student loans. Let us help you navigate these challenges with confidence and peace of mind.
With our tailored counseling and educational services, you can take control of your financial future and achieve your goals. Trust us to support you every step of the way.
CCCSNI in the News
Meet our counselors
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       DONNA RASMUSSENEXECUTIVE DIRECTOR/ NCFP FINANCIAL EDUCATOR With CCCS: Since 2019 Services: HUD and NFCC certified counselor; financial literacy educator; presents workshops for social service agencies and their clients, libraries, townships and prisons Education/Accreditations: • U.S. Navy veteran • Bachelor’s degree in elementary education from National-Louis University • Leadership Greater McHenry County 2024 • Junior Vice Commander of Woodstock American Legion Post 412 
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       TOM NAPHOLZNCFP FINANCIAL EDUCATOR/NCFP HOUSING COUNSELOR With CCCS: Since 2021 Services: Financial literacy educator Education/ Accreditations: • Bachelor’s degree in finance and MBA in management from Drake University • HUD and NFCC certifications 
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       JOSÚE FERNANDEZNCFP FINANCIAL LITERACY EDUCATOR With CCCS: Since 2022 Services: Financial literacy educator Education/ Accreditations: • Josúe moved to the United States at age 10; he joined the Army at age 20 • Bachelor’s degree and master’s degree in finance from DePaul University • Works full time in banking • Part time financial literacy educator 
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       JAN HAGGERTYNCFP HOUSING COUNSELOR With CCCS: Since 2024 Services: Eviction court support for tenants and landlords; financial literacy teaching; budget counseling Education/Accreditations: • Bachelor’s degree in economics of consumer debt from George Mason University • Certified housing counseling 
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       DIANE CHRISTENSENASSISTANT EXECUTIVE DIRECTOR, HUD HOUSING COUNSELOR, DEBT MANAGEMENT PROGRAM ADVISOR With CCCS: Since 2023 Services: Grant reporting, housing counseling, debt management Education/Accreditations: • Bachelor of science degree in business administration and human resources from Columbia College of Missouri • Extensive experience working with clients in finance, budgeting and credit as assistant executive director and HUD and NFCC certified housing counselor • As debt management program advisor, she works with families and individuals to improve their financial budget, combine debts into one monthly payment, reduce fees and interest, and increase credit scores 
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       ERIKA CHAVEZNCFP BI-LINGUAL/HOUSING COUNSELOR With CCCS: Since 2018 Services: HUD and NFCC bilingual housing counselor Education/Accreditations: • Bachelor’s degree in international relations from Universidad Autonoma De Chihauhau • Worked at NHS of Chicago for 9 years • HUD and NFCC certified counselor • Neighborworks certified • Serves on Kane County Mediation program 
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       NICOLE STRITZELNCFP/HOUSING/REVERSE MORTGAGE COUNSELOR With CCCS: Since 2007 Services: HUD and NFCC certified counselor Education/Accreditations: • Bachelor’s degree of science in accountancy from Northern Illinois University • Master’s degree in pastoral care from Garrett Evangelical Theological Seminary at Northwestern University • Extensive training through Neighborworks • NHNLA housing counseling training; certification program for foreclosure prevention • HECM Certified • Reverse mortgage counselor 
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       PEGGY SARBAUGHWith CCCS 16 years total – returned to CCCS after retiring as Fiscal Officer for McHenry County Workforce Network Education and Accreditations: • Associate’s degree in general education, Columbia College Missouri • HUD and NFCC Certified Counselor • Extensive knowledge of community resources and social service agencies having worked in the field for 34 years 
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       SCOTT FRANZGROTEFINANCIAL LITERACY EDUCATOR/COMMUNITY OUTREACH With CCCS: Since 2024 Services: Financial literacy educator and community outreach Education/Accreditations: • Bachelor of arts in psychology from Eastern Illinois University • MBA, management emphasis from Robert Morris University • Certified financial educator, National Foundation for Credit Counseling (NFCC) • HUD certified housing counselor 
Meet our Board of Directors
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       LACHELL JEFFRIES AARONEAUXState Training Director for NAMI (National Alliance on Mental Illness) Illinois - 16 years With CCCS: Since 2022 Education & Experiences: • Partnered with law enforcement to train their Crisis Intervention Team to respond to mental health calls • University of Maryland B.S. in Engineering/Construction Management • Leadership Greater McHenry County Interests: Certified meditation instructor 
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       RICHARD ADAMSONCommercial Lender with First Secure State Bank With CCCS: Since 2021 Education & Experience: • Loyola University of Chicago BBA and MSIR 
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       SHANNON DEVINGERTreasury Management Officer for Wintrust Financial, supporting two charters, Barrington Bank & Trust and State Bank of the Lakes With CCCS: Since 2004 Education & Experience: • Eastern Illinois University and Northern Illinois University for BS in Accounting • Graduated from Columbia College • Work experience includes McHenry County Health Department, US99 Country Music Radio, BMO Harris Bank and Wintrust • Volunteer with CCCS, CASA, WAYSO Soccer, RDC Booters, WHS Backers, Dick Tracy Museum Board and Kiwanis. Interests: Boating, NASCAR and family 
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       JERRY DUPAWProducing Branch Manager at Rate Algonquin Branch With CCCS: Since 2012, including 7 years as president Interests: Single father to two teenage daughters 
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       LAURA FRANZ, LCSWExecutive Director of Veterans Path to Hope since 2015 With CCCS: Since 2017 Education & Experience: • Illinois State University, BSW • University of Illinois in Chicago, MSW • Licensed clinical social worker in Illinois • Served in various social service settings and on various nonprofit boards to support causes that assist individuals in overcoming barriers and achieving success Interests: Rotary Club of Crystal Lake Dawnbreakers 
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       KATHRYN GASKILLProject Manager at Motorola Solutions With CCCS: Since 2023 Education & Experience: • Previously served on the YWCA Elgin Board of Directors • Worked for non-profits for more than 13 years • In 2023, advised high school interns on budgeting and obtained Behavioral Economics Certificate through Next Gen Personal Finance Interests: University of Iowa Hawkeyes football fan 
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       MELISSA HERNANDEZPresident of the Northern Kane County Chamber of Commerce since 2006 Real Estate Agent with Premier Living Properties since 2016 With CCCS: Since 2017 Education & Experience: • Associate’s in business, McHenry County College • Bachelor’s in business, Kaplan University 
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       J. D. HULSAttorney, James D. Huls & Associates With CCCS: 10+ years Education & Experience: • John Marshall Law School, Juris Doctor • Bradley University, Bachelor of Science Business/ Finance • 44 years of business experience Interests: Historical and overseas travel 
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       MARK PIEKOSExecutive Director, McHenry County Economic Development Corporation With CCCS: Since 2021 Education & Experience: • Bachelor of Science in Interdisciplinary Studies from Western Illinois • Leadership Greater McHenry County, 2012 • McHenry Area Chamber of Commerce Board • President of Crimestoppers for McHenry County. Interests: Playing guitar, collecting vintage motorcycles 
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       PAUL ZUKOWSKIManaging Attorney Prairie State Legal Services, Woodstock, IL Joined Prairie State in 2012, after 15 years in private practice With CCCS: Since 2017 Education & Experience • Received the Peace and Justice award from Turning Point in 2016 • Former President of the Family Law Section of McHenry County Bar Association and a Facilitator for the 22nd Judicial Circuit’s Divorce Early Resolution Program • Active in United Way, 22nd Judicial Circuit Family Violence Coordinating Council, the Continuum of Care to End Homelessness • B.A., Carleton College • J.D., Loyola University Chicago School of Law 
 
        
        
      
    
     
                         
            
              
            
            
          
               
  
  
    
    
     
  
  
    
    
    