Get freedom from credit card debt.

It’s possible—with lower interest and lower monthly payments through CCCS.

First, let's get the facts straight.

If you’re grappling with the stresses of living with debt, you may think Debt Settlement is the way to go. As an agency focused on financial literacy, we think you should know some things about Debt Settlement programs.

The Harmful Truths About Debt Settlement

  • Debt settlement houses make promises on settlements that may or may not come true—

    however, you start paying them for their services right away.

  • There is no guarantee that your account won’t go to collections.

  • Your credit scores will plummet—

    almost as much as declaring bankruptcy!

  • You are liable to pay income tax on any settlement that they may get.

    On $10,000.00 that would amount to $1,200.00 due the IRS depending on your tax bracket.

  • Financial institutions view debt settlement as an irresponsible way to pay debt—

    but they view Debt Management Programs as a responsible way to do it (because you actually pay your whole debt off).

The Benefits of our Debt Management Program

  • Lower interest rates

  • Lower payments

  • Re-aging of delinquent accounts

  • Single, consolidated, monthly payments

  • Less stress—

    we submit payments for you!

  • Pay off your debt within 5 years or less

  • Will not greatly impact your score

  • No unexpected tax consequences

  • Partnership with CCCS—

    a local, non-profit organization that cares about your financial freedom.

  • Viewed by financial institutions as a responsible way to pay off debt.

“If you have trouble with spending, any form of plastic is dangerous for you. I’ve never found anything as effective at getting spending under control [as] doing all your spending with cash.”

–Clark Howard

What is the CCCS Debt Management Program?

A Debt Management Program (DMP) is a debt repayment plan that can help you pay off your debt, improve your credit score, and achieve financial security. After only three to five years, you can pay off all of your credit cards in full. Through our DMP, CCCS can help you achieve lower interest rates, lower monthly payments, and the re-aging of past due balances.

CCCS is proud to be a licensed Debt Management Program (DMP) agency and to have helped hundreds of people free themselves from credit card debt.

See how much you can save through our Debt Management Program.

Typical CCCS Debt Consolidation Client Savings

On their own

(making only minimum monthly payments)

Starting balance:

$15,000

Interest Rate:

18%

Minimum monthly payment:

$375.00

Number of months to pay off debt:

382

Interest paid:

$21,923.31

Through CCCS

(based on average program benefits)

Starting balance:

$15,000

Interest Rate:

8%

Minimum monthly payment:

$305.00

Number of months to pay off debt:

60

Interest paid:

$3,237.24

Total interest savings: $18,686.07

Total time savings: 322 months (almost 27 years!)

Typical CCCS Debt Consolidation Client Savings

On their own

(making only minimum monthly payments)

Starting balance:

$15,000

Interest Rate:

18%

Minimum monthly payment:

$375.00

Number of months to pay off debt:

382

Interest paid:

$21,923.31

Through CCCS

(based on average program benefits)

Starting balance:

$15,000

Interest Rate:

8%

Minimum monthly payment:

$305.00

Number of months to pay off debt:

60

Interest paid:

$3,237.24

Total interest savings: $18,686.07

Total time savings: 322 months (almost 27 years!)

Get Started Today

And begin your journey to financial freedom.

STEP 1

Schedule an Appointment

Ready to Start Managing your Debt?

CCCS is here to help you. Please fill out the Schedule an Appointment form below and we will get in touch soon. If you have any questions, please call us at: 1 (800) 350-2227.

Schedule an Appointment

Contact Us

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STEP 2

Fill out the Client Intake Form

Tell Us About Your Situation.

We’ll need some additional information to get started, which we’ll request in the confirmation email. Please also fill out this form: 

Client Intake Form
STEP 3

What to Expect of your First Session

Your initial consultation will involve:

Your initial consultation will involve a holistic assessment of your finances and credit. Then, we’ll work with you to create a plan to achieve your financial goals and long-term financial stability.

How Does the Debt Management Work?

The DMP is voluntary for your creditors. We will discuss which creditors will be paid by CCCS and which ones you will need to pay. Once your creditors agree to move forward with the DMP:

  • You will pay CCCS once a month.
  • CCCS will disburse funds to your creditors.
  • You will send us your monthly statements.
  • All creditors with past due balances must be included.
  • Debt will be paid off in approximately 60 months.

A debt-free future is possible.

Let CCCS help you on your journey to financial wellness.