Consumer Credit Counseling Service (www.cccs.org) was established in 1987 and offers budgeting and debt counseling. The service is designed to ensure that consumer debts are paid back over time. The company’s financial counselors are trained to work with people facing financial difficulties or overburdened with debt. Consumer Credit Counseling Service counselors are certified through the National Foundation of Credit Counseling. CCCS’s budget counseling will help individuals develop a realistic spending plan and action plan. The company’s debt management will devise a strategy to help an individual pay off unsecured debts faster. CCCS’s debt management program costs $35 to start and includes a monthly fee based on the size of the customer’s monthly debt payment. In addition, a debt management program will not affect an individuals’ credit score. Counseling services can be on the phone, online, or in-person. CCCS also offers budgeting tools, financial education workshops (money management, saving, investing, building good credit), and financial literacy classes (debt reduction, improving credit rating, asset building, creating savings).

*FreeFromDebtRelief.com does not provide financial advice or debt management/credit counseling services.