CCCS is a non-profit organization dedicated to helping individuals solve debt problems, learn better money management skills and become wise consumers. As the nation's oldest and largest non-profit consumer service, CCCS is recognized by virtually every major creditor, which enables them to serve as an effective advocate for you. Our counselors can negotiate with creditors for lower monthly payments and in some cases lower interest rates and finance charges. CCCS helps people help themselves by administering the restructured debt payment plan. Very few people really need to declare personal bankruptcy.
CCCS offers hope and help without bankruptcy.
Again, there is no charge for this counseling. Seminars regarding credit, budgeting, bill paying and debt reduction are available for school, church, employee, or community organizations at no charge.