Be honest with yourself, your spouse and your kids about the need to cut back. Let your friends know that you'll be reducing your spending and stand firm in the face of peer pressure. By following these steps, consumers should be able to reduce their debt and get back in the driver's seat of their financial life. Consumer Credit Counseling Service of the Gulf Coast Area, Inc. is a non-profit, community service organization that provides professional financial 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.