Consumer Credit Counseling - CCCS, The Basics
Florida's Trusted Name in Debt Relief
See If You Qualify 1-888-491-7114
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
Privacy Verified
Security Seal
Which debt relief option saves you the most each month?
Find out today which debt option you qualify for and how much you could save!
  • $30,500 debt relief savings estimate 3 minutes ago in La Crosse, VA
  • $104,000 debt relief savings estimate 42 minutes ago in Gretna, VA
  • $47,000 debt relief savings estimate 1 hour ago in Danville, VA
  • $32,500 debt relief savings estimate 2 hours ago in Midlothian, VA
  • $30,500 debt relief savings estimate 2 hours ago in Glen Allen, VA
  • $30,500 debt relief savings estimate 2 hours ago in Virginia Beach, VA
  • $48,000 debt relief savings estimate 8 hours ago in Chatham, VA
  • $40,000 debt relief savings estimate 11 hours ago in Alexandria, VA
BBB A+ Rated
Powered by Envoy
Debt Relief – How It Works
Over the years one of the most common questions we get from people who come to our site is "How does it work?"
This video explains how the free debt relief savings estimate works, how debt relief programs work and if there is any cost.

Consumer Credit Counseling

They are the well-known names, the highly-recognized faces, the well-known personal financial experts. Suze Orman, whose thought-provoking advice is followed by millions via cable television, countless books, guest appearances, and speaking engagements. Orman, on-record as a proponent of consumer counseling agencies, believes some debt situations are best served by going the consumer credit counseling (CCCS) route. She is everywhere these days and arguably one of the best.

Clark Howard, a well-known and highly respected financial authority. Respected and trusted by many Americans, Howard's advice brings clarity, credibility and candor to complicated personal finance issues.

See how debt relief can help you. Answer a few, simple questions to get a free debt relief estimate and savings analysis - at no cost to you.

With an economy in free-fall and millions struggling to pick up the pieces of their financial lives, the demand for consumer credit counseling reviews has never been bigger. The good news is, consumers in debt have many available options--including debt consolidation, debt settlement, or even bankruptcy.

What Is Consumer Credit Counseling?

Seems obvious, but what exactly is consumer credit counseling? The goal of credit counseling is to allow the consumer to pay the entire debt amount, in a way that is, typically, more affordable and more convenient. It is also an approach which seeks better payment terms, including the lowering of interest rates charged, the waiving and forgiveness of certain fees and penalties, the consolidation of unsecured debt and perhaps most important of all during the process: the creation of one, manageable monthly payment.

Debt Management Plan

One proven option for those seeking debt relief is credit counseling, or a debt management plan (DMP). If followed properly, this disciplined approach promises to help people struggling in debt to get off the debt treadmill at a more accelerated pace. And while degrees of success vary and won't happen for the majority of those who enter a debt management program, the opportunity is there for individuals who have the discipline to remain faithful to their debt management program.

Keep in mind that the job of credit counseling agencies is not to improve credit scores, but to help consumers reduce debts and regain control of their finances. However, while "credit counseling" notations will often appear in credit reports, individuals already deeply in debt who pay down their debt amounts AND improve their debt-to-credit-limit ratio may actually find that their credit scores improve over time.

Explore your debt relief options. Request a free debt relief estimate and savings analysis, at no obligation to you.

Unsecured Debt

For those who can stay disciplined, getting out of debt is achievable. Reaching the goal means getting unsecured debt under control. Unsecured debt includes not just credit cards, but medical bills, utilities, club memberships, cellular phone bills and other debt not secured by assets or collateral. Choosing the credit counseling route also means that a structured payment is distributed on the debtor's behalf, helping to ensure that the plan and goals are adhered to. For those interested in debt consolidation, credit counseling can be a wise, efficient, and strategic plan to go with. If the consumer is faithful on a well-structured plan, the outcome is generally predictable and successful. On the other hand, if the consumers does not adhere to the plan, results will not be achieved and, in fact, creditors may revoke benefits that have been previously granted such as lower interest rates. The lesson is: If you get on a debt management plan via a credit counseling service, STICK TO THE PLAN, set aside the predetermined amount you need each month to be successful. In doing so, you can get off the debt-for-life treadmill, and in the end, this can save you a considerable amount of money and stress.

To learn more about debt relief options, you may request your free debt relief analysis and savings estimate online at no obligation. Start by answering a few, simple questions here.

Saving thousands of dollars feels really good!
Know your debt relief options.
People helping people get the debt relief they need.

Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Dothan, AL

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Dothan, AL

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Buna, TX

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Santa Rosa, CA

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
Who we're helping right now...
$35,000 debt relief savings estimate
– Dallas, TX

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– Upland, CA

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even resolve debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Minneapolis, MN