We are dedicated to helping individuals and families resolve financial problems. We promote the wise use of credit through free, confidential budget counseling, debt management repayment program, and community education. CCCS doesn't lend money, nor are we a collection agency. Annually, CCCS helps more than 30,000 individuals through counseling sessions, and reaches more than 150,000 individuals through education programs. For advice on how to successfully manage your personal finances, schedule an appointment with one of our certified counselors who will review your expenses, income and spending habits.
Appointments are available for in-person or telephone counseling, day or evening.
In many cases, a DMP will reduce your total monthly payment and the monthly interest you are currently paying your creditors. DMPs are voluntary programs that serve a dual role in helping the consumer pay back debt, and the creditor receive the debt owed to them. There are no hidden costs for our Debt Management Plan. We provide educational budgeting and money management workshops and employee assistance programs to a wide variety of civic organizations, educational groups and community businesses. This course is included as curriculum from Kindergarten through High School in MD and DE public and private schools.