Formerly Consumer Credit Counseling Service of Greater Dallas, Transformance, Inc., is a nonprofit organization helping consumers facing a financial crisis due to student loans, consumer indebtedness and/or mortgages. Services include certified counseling, education, and support services for debt management, credit and budgeting, HUD-approved housing counseling, student loans, pre-retirement, and bankruptcy. Transformance™ serves a nationwide client base from its offices in Texas and Oklahoma.