When you call CCCS you talk with professional counselors that understand your problems. You can either set up an appointment to talk with a counselor, or handle your business with a counselor in a phone interview or over the internet.

If you set up an appointment, prior to the initial session you will be asked to complete a confidential questionnaire about your income and expenses. 
Additionally, you may be asked to supply other support documents to help the counselor review your complete financial picture.

If you have a phone interview with a counselor, they will ask you the confidential questions about your income and expenses that will help them review your complete financial picture. A phone interview enables you to discuss matters from your home, without taking time away from a job or having to visit the office personally. Phone interview hours are also open longer, until 7:00 p.m.

With the information you provide the counselors, they will analyze your situation carefully and recommend a workable program to help you help yourself regain an economically stable life.

Financial Counseling
A certified consumer credit counselor will provide you with confidential advice about credit, budgeting and money management. Our counselor will review your income, expenses, assets and debt and then offer possible solutions for your situation. You will work with your counselor to develop a financial action plan specifically suited for your needs. The fee for this service is $20. No one is denied this service due to the inability to pay.

Debt Management Plan (DMP)
If you are overextended, you may qualify for a Debt Management Plan. With a DMP, you may receive reduced interest rates, waived late fees, fewer collection calls and peace of mind. You will be asked to close your accounts and stop using credit cards for the duration of the plan. You will make deposits to us and then we will distribute these funds to your creditors. Your account will always be created with 100% of the amount you send us each month. Repaying your debt through a DMP normally takes 36-60 months. DMPs serve the dual purpose of helping you repay debts and helping your creditors receive the money owed them.

Why not get a start right away and save even more time? Whether you choose a personal or phone interview, simply click on the "Apply Now" button below. This will bring up the CCCS application for you to complete. You may complete this application and submit it on-line to our email, or print out the form, complete it, then fax it to us at (918) 744-0232.