The nonprofit, whose website is no longer up and phone is no longer answered, has not moved as a sign posted on its door says. That has caused confusion among clients.

"Consumer Credit Counseling Service didn't put that there," Minor said.

The agency is in fact "shutting down as it has existed" because of its financial condition, Minor said. It had employed three full-time employees and one part-time employee.

The nonprofit had been supported for 44 years through program dollars and grants.

"Some of it dried up. Some grants weren't applied for," she said. "A lot can't be explained. Right now the focus is on the clients. The focus is on making sure they're not negatively impacted."

A total of 156 people were signed up for Consumer Credit Counseling's debt management service, in which the agency negotiated with creditors and took consolidated monthly payments from its clients. Many clients were confused and reached out to her when their November payment was never debited from their bank account.

Minor said the board has been in talks with local and national nonprofits about taking over the debt management service, ideally before next month's bills come due.