No catch. CCCS is a community service organization that's totally nonprofit. They will help you negotiate with people you owe and put together a plan to repay your debt.

 

 

 

 

If you're getting phone calls from creditors or just making minimum payments, you should call us before things get really out of control.

 

Yes. In most cases, creditors will stop phone calls after a consumer enters a debt repayment plan with CCCS.

 

Calling CCCS for counseling in no way affects your credit score or report. Even if you enter a CCCS Debt Management Plan, CCCS does not report your participation in our Debt Management Plan to credit bureaus. Even though CCCS makes no entries to your credit report, some creditors may report that your account is included in a Debt Management Plan. They appreciate that you are honoring your debts rather than filing bankruptcy.

 

Other creditors may consider your account delinquent, but will accept the payment from CCCS and stop calling you. They may still report negative information to credit bureaus. CCCS cannot remove information from your credit report, but we can assist you in contacting your creditors for a review of your account.

 

 

There is no charge for budget counseling. If you choose to enter a Debt Management Plan, depending on your state of residence, you will be charged a monthly fee and/or file set-up fee.