Learn about online debt consolidation with debt counseling.
Consolidate credit card debt and pay off debt.
Credit and debt counseling assisting in debt recovery.

Reduce your debt with free debt counseling

cccs

CCCS

What can CCCS do for me?

Stop the calls

Help you avoid foreclosure and bankruptcy

Reduce your interest rates

Wipe out late and over-the-limit fees

Lower your monthly payment

Give you peace of mind

Empower you to pay off your debts within 3-5 years

Help you with bill consolidation or debt and bill consolidation

CCCS can't:

Repair your credit. If your credit report and score is damaged because you've been delinquent in the past, the only thing that can heal your credit is time. As you improve your payment history, consistently paying your bills on time and reducing your debt load, only then will your credit improve.

Settle your debts for pennies on the dollar. This is known as debt negotiation, and is listed as a charge-off on your credit report for seven years. Is is also very costly.

Will my credit rating be protected by using CCCS?

Calling CCCS for a free counseling session will in no way affect your credit score or credit report.

Even if you enter a CCCS Debt Management Plan, CCCS does not report your participation in the Debt Management Plan to credit bureaus. However, each creditor deals with CCCS clients in a different way. Some creditors may report that your account is included on a DMP. Creditors may report your account as current when they receive our proposal, while some wait until they have received three consecutive payments through CCCS. They appreciate that you are honoring your debts rather than running from them through bankruptcy, and after seeing a consistent payment history through CCCS, may look at you as a better credit risk than the typical consumer.

Other creditors will consider your account delinquent and will continue to report these delinquencies even though you are working with CCCS. They will accept the payment and stop calling you, but they may still report negative information to credit bureaus. It is up to the individual creditor to make changes in the "History of Payment" column on your credit report. CCCS cannot remove information from your credit report but we can assist you in contacting your creditors for a review of your account.

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