Our nationally certified credit counselors at CCCS will work with you and your creditors to build a manageable budget. We then manage the repayment of your debt. We will contact your creditors for you and negotiate the following:
- Lower interest rates
- Lower payments
- Late fees and over the limit fees
- Re-aging of delinquent accounts
You will make one monthly payment to our agency and we will disperse the funds to your creditors. Over time, your credit score will also improve.