If you are having difficulty paying your bills, or are at your credit limits, you may qualify for our Debt Management Program (DMP). A counselor will work with your creditors to lower your payments, stop collection action and reduce or eliminate interest and fees, enabling you to pay off your debt within five years.

The DMP allows you to submit a monthly payment to CCCS, who disburses the payments to your creditors. Endorsed by creditors nationwide, the DMP enables you to become debt-free and avoid bankruptcy.

Our counselors want to make sure that entering the DMP is the best option for you. We carefully look at your finances and review all options before enrollment.

Receipt of financial counseling and education services does not guarantee participation in debt management program services.

During the session, you and your counselor will:

• Obtain and verify personal information and sources of income
• Review budgets and discuss spending recommendations
• Determine if income covers essential monthly expenses
• Review assets and liabilities
• Obtain debt account statements
• Review your options based on your individual financial circumstances
• Help determine if you can realistically afford a monthly DMP payment
• Create an appropriate action plan

Counseling Information:

• In Person, Phone, and Online Sessions Available
• Languages Available: English, Spanish, Cantonese , Mandarin, Vietnamese, and Fujianese
• Arrangements can be made to accommodate our Hearing Impaired Clients
• If enrolled, there is an initial consultation fee: $50
• If enrolled, there is a monthly fee: $10/creditor ($50 maximum)