If you are near your credit limit, put your credit cards on ice and consider low-priced or no holiday gifts this year. Your debt load is too high if more than 20 percent of your net income is going toward car payments, credit card bills and other non-mortgage or rent obligations. Follow these tips and you will have little or no holiday debt to pay off in the coming year. CCCS helps consumers trim their expenses, develop a workable budget, lower their debt payments and repay debts. CCCS is primarily funded by local, regional and national creditors and businesses.
Services are available in person and by phone.
Spanish speaking counselors are available.