The goal of CCCS is to help individuals and families learn to manage money, solve debt problems, and avoid bankruptcy. Certified Consumer Credit Counselors work with clients to develop household budgets and improve money management skills. If debts are overwhelming and continued help is needed, our Debt Management Plan may be of benefit. Monthly payments are proposed to creditors based on the balances of the accounts. Clients deposit the total of the payments to CCCS once a month.
Many creditors stop charging late and over limit fees once regular payments are received.
Debt Management Plans serve the dual purpose of helping clients repay their debts and helping creditors receive the money owed them. Most of our funding comes from voluntary contributions from creditors. Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund the agency. CCCS offers education programs on money management and the wise use of credit to schools, businesses, and civic organizations at no or low cost, and conducts first-time home buyer seminars. The agency also provides pre-purchase housing counseling, delinquent mortgage counseling and reverse mortgage counseling.