CCC is licensed in 36 states nationwide: AL, AK, AZ, AR, CA, CO, DC, FL, GA, HI, IL, IN, IA, KY, LA, MA, MI, MN, MS, MO, NE, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, VA, WA, WV and WY.

Call us at 800.557.1985 or fill out the intake form on our website. Our certified credit counselors are happy to provide you with a FREE Budget Analysis and Debt Management quote today!

CCC has been in business for over 34 years and has several accreditations and certifications:

• Council on Accreditation (COA)
• Better Business Bureau (BBB) A+ rating
• Member of the National Foundation for Credit Counseling (NFCC)
• Credit Counselors certified by NFCC
• Awarded a Certificate of Recognition by the California State Assembly acknowledging our work in helping individuals burdened by financial pressures.

DMP is a better option to handle unsecured debt because CCC is an advocate of paying back money that you have borrowed if you’re financially able to. The DMP status only remains as a note on your credit report for the duration of your plan and does not negatively impact your score. 

After successful completion of the DMP, you’re more likely to qualify for a mortgage or rent a home and qualify for auto or other types of loans. Most employers run background checks and upon viewing your credit report, they will see that you are a responsible consumer and potentially responsible employee.

Truths about Bankruptcy….
Bankruptcy costs money – filing fees, attorney fees, pre and post-counseling fees and has strict requirements to qualify. Bankruptcy remains on your credit report for up to 10 years and negatively impacts your credit for years. It should be your last resort.

No. Your credit report may be noted as “managed by a credit counseling agency”, however, enrolling in a DMP does not directly impact your score. Please visit www.experian.com for more details.

One of the factors that make up your credit score is your Credit Utilization Ratio. This is the percentage of your total credit limits that you are currently using. Generally, having a lower Credit Utilization Ratio has a positive impact on your credit score. Closing credit cards means losing access to any available credit and may increase the Credit Utilization Ratio unless the balances are already close to the limits.

Remember, the goal of the DMP is to develop a plan to ultimately improve your financial and credit standing.

Yes. Most creditors will STOP the over-limit, late, and past-due fees as part of their DMP concessions.

Yes, creditor harassment will stop once the DMP has been approved by the creditors.

No. CCC can help in either situation, whether current or past due. Our Debt Management Program consolidates all your credit cards, medical bills, and even collection accounts into one monthly payment.

No. As a condition of granting you reduced payments and APRs, the creditors will close your accounts to future purchases when you enroll in the DMP. Closing the accounts also allows us to calculate an estimated payoff date of when you will be debt-free!

CCC has long-standing relationships with over 400 creditors. The interest rate reductions are pre-determined and disclosed at the time of enrollment. Individual results vary; APR: 0.00% to 15.99%.

Christian Credit Counselors (CCC) is a nonprofit 501(c)(3) debt management agency.

CCC provides and offers:

• Budget Counseling
• Credit Counseling
• Credit Report Counseling
• Financial Education

CCC does not provide or offer:

• Loans. We do not lend money. WE ARE NOT A LOAN COMPANY.
• Debt Settlement
• Bankruptcy

CCC has helped hundreds of thousands of individuals and families NATIONWIDE and continues to do so. Se Habla Español.

Our certified credit counselors offer counseling services and financial education nationwide. CCC is currently licensed to provide debt management services in 36 states. However, regardless of enrollment in a Debt Management Program, our counselors will offer financial advice or refer you to trusted organizations as appropriate.

By enrolling in our Debt Management Program, your unsecured debt is consolidated into one low manageable monthly payment, and in most cases, you will receive reduced interest rates which allow your total debt to be paid off in full within an average of 3-5 years.

A DMP is a systematic way to pay your outstanding unsecured debts in full up to 80% faster, at reduced interest rates with a lower monthly payment. Through this voluntary payment plan, CCC will automatically debit your bank account once per month and send the funds directly to your creditors. Generally, it takes approximately 36-60 months to repay debts through a DMP.

Individuals or families burdened with unsecured debt – credit cards, medical bills, and/or collection accounts. Ask yourself: “Is my unsecured debt unmanageable and overwhelming?” Our Debt Management Program (DMP) can help you get out of the financial hole you are in.

A source of income is required to make your monthly DMP payments. Although there is no minimum amount of debt required to enroll, clients who benefit from our program typically have a minimum of $10,000 in credit card debt.

The DMA is a written contract that transparently discloses all pertinent information about the Debt Management Plan to the client. The client will have an opportunity to review the agreement before signing. Once the client returns the signed DMA, it will serve as authorization to enroll the client in the DMP, pending their first monthly payment.

The monthly payment is determined by the amount of debt you owe. Each account is individually calculated and consolidated into one monthly payment. The monthly service fee calculation is determined by state regulations. CCC caps our monthly fees at $75.00 even though some states allow a much higher amount.