Consumer Credit Counseling

Debt consolidation service offering debt management programs and counseling.

Consumer Credit Counseling helps you with budgeting and debt repayment options, as well as helping you to avoid filing bankruptcy.

CCCS Debt Relief Review

The majority of CCC agencies offer confidential budget counseling, and debt management programs. Debt management programs, also known as debt consolidation programs, are available on the Internet, by telephone and in person, at a nominal fee.

What Does CCCS Do?

There are so many CCC agencies, it would be impossible for us to tell you what each one will, and will not do. Our review of CCC is an overall view of their offerings with more details provided about the Debt Management Program.

CCCS agencies have set up alliances with major creditors to:
  • reduce or eliminate interest
  • stop late payment fees
  • reduce monthly payments
  • educate consumers on money management
  • negotiate debt repayment plans
Creditors participate because it is in their best interests for you get out of debt without bankruptcy. In most instances, if you file Chapter 7 Liquidation Bankruptcy, unsecured creditors won't collect anything.

How Does Credit Counseling Affect Your Credit?

CareOne debt relief

Once you have made regular monthly payments to the Counseling Agency for several months, your debt counselor should be able to negotiate with your participating creditors to have your accounts re-aged and the status updated to current on your credit file. This will go a long way in keeping your credit file in decent standing while you get out of debt.

How Can I Pick A Reputable Counseling Agency?

You want an agency that has proven themselves by helping millions already and:
  • has counselors that adhere to AICCCA standards,
  • is non-profit,
  • charges the lowest fees available, and, if possible,
  • offers the convenience of online counseling and account management.
We recommend you check out the following if you aren't sure whether to use settlement, consolidation or counseling to resolve your financial problems.








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Consumer Credit Counseling, CCCS for debt relief.