Finally, CCCS recommends adjusting your withholding. Your goal for next year should be to receive a small refund or owe a small amount. This money would be put to better use by paying down debt, earning interest in a CD or gaining value in an IRA or investment account. Inc. CCCS is a non-profit, community service organization that provides professional guidance, counseling and debt management assistance to consumers. CCCS is primarily funded by national, regional and local creditors and businesses.
Counseling is available in person and by phone.
Spanish speaking counselors are available.