They are required to budget some money for savings each month so money will be available for emergencies instead of relying on credit. Payments are taken out of their paycheck, so there is never a temptation to spend that money rather than put it on bills. There can be tendency for credit problems with military families. Coleman said military families are a prey for creditors, and are offered enormous amounts of credit. CCCS, which has offices in every state, is funded by donations from creditors.
Creditors support the organization because it helps prevent bankruptcy.
Most credit card companies have a graduate program for them, and will actually give them their credit card back after they finish the program. In addition to personal, confidential financial counseling services, CCCS has a number of brochures available on topics such as planning a family budget, how to resolve consumer disputes, and how to fix credit problems and save money. Family counseling is often recommended because financial problems can cause arguments, extreme tension in the marriage, tension with raising children, and a loss of sleep. Arguments over finances are listed as one of the leading causes of divorce. If families refuse counseling, then self-help books at the library are recommended.