An appointment can be made either by telephone or in person. The initial interview determines the individual's financial situation. A budget is developed and options are discussed. The next step is to structure a debt repayment plan.
CCCS negotiates a repayment plan with unsecured creditors.
The client makes a single monthly payment to CCCS which is then disbursed to the creditors. The client is instructed to incur no additional debts. Clients are encouraged to keep regular contact with their counselor. A one-time fee is charged for counseling sessions regardless of the number of sessions needed. Those choosing to enroll in the debt management plan will pay a small monthly service charge.