CCCS Credit Counseling

CCCS (Consumer Credit Counseling Services) provided by credit’s NFCC-Certified consumer credit counselors offer credit counseling services that are designed to help with your credit card debt. Our credit counseling services are confidential, comprehensive and free.

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An Introduction to CCCS Consumer Credit Counseling Services counselors are certified by the National Foundation of Credit Counseling (NFCC). The NFCC promotes the national agenda for financially responsible consumer behavior and governs the credit counseling education process. Since 1983,’s nonprofit credit counseling agency has maintained an A rating with The Better Business Bureau.

When you decide to make your financial education partner, a CCCS credit counselor will teach you how to live a money-smart lifestyle by avoiding incurring additional credit card debt, and offering help with credit card debt. Your NFCC-certified consumer credit counselors will examine your current unsecured debt level and may recommend a disciplined action plan to achieve your debt relief goal. This type of debt relief process is called a Debt Management Plan (DMP).

DMPs often involve requesting concessions from your creditors to establish a pay-off plan. On your behalf, your counselor will request reduced credit card fees, interest rates, and other concessions offered by your creditors in return for your commitment to a Debt Management Plan with

CCCS Consumer Credit Counseling offers complimentary CCCS credit counseling services to anyone in need of personal finance assistance.

To get help with credit card debt, schedule a confidential and nonjudgmental consultation with one of our NFCC-certified consumer credit counselors to discuss your financial situation. We will examine your unsecured credit and debt, give you practical financial advice, and help you create a realistic plan to improve your credit situation.

At the end of your counseling session, your counselor will empower you with a workable household budget, a reasonable debt repayment plan, and the know-how to improve your personal finance habits for the future. If you are currently facing difficult financial times, we encourage you to get started today for complimentary financial assistance immediately.

Credit Card Debt Consolidation is a 501(c)(3) nonprofit organization and industry-respected CCCS consumer credit counseling agency. We offer help with credit card debt through credit and debt consolidation programs for consumers who want to consolidate their unsecured credit and debt payments, into one, manageable monthly payment. Credit debt consolidation plans offer you many benefits:

  • One convenient monthly credit and debt payment to your creditors.
  • Possible reduced minimum payment.
  • Lower interest rates.
  • A more affordable credit card payment designed to pay off debt faster.
  • A well-planned household budget to help you save money and reduce debt.

Since 1974,’s CCCS credit counselors have helped thousands of hard-working Americans get help with credit card debt by paying off hundreds of millions of dollars in credit card debt. If you are determined to get there, we can help you become debt-free in 5 years or less. If you’re a good candidate for credit and debt consolidation, your comprehensive consolidation plan will lower your interest rates and, if approved by your creditor, forgive your accumulated late or over limit fees when starting the plan. Unlike for-profit debt consolidation companies, we will help you consolidate your debt without forcing you to open new debt or putting your home or other assets at risk.

Debt Management Plans has counselors that are certified by the National Foundation for Credit Counseling to provide consumer credit counseling services.

The Debt Management Plan is designed to help people with severe debt to pay-off their debts, through one affordable and realistic monthly payment. If you qualify to participate in a debt management plan, you may benefit from reduced or waived finance charges and a stop in collection calls.