A Debt Free Life
is the road less traveled, we can show you the way.
When debt spirals out of control, the effects can be devastating. The stress caused by financial problems frequently leads to marital strife and problems at work.
Paying only the minimum amount on your accounts simply prolongs the problem. Often, only a small amount of your payment goes toward reducing the balance owed, and the rest is gobbled up by interest that continues to build up your balance.
Consumer Credit Management Services, Inc. (CCMS) can help. Founded in 1991, CCMS is a non-profit organization that helps many people out of debt each year, saving them hundreds to thousands of dollars in interest and finance charges.
Because CCMS is a non-profit agency, our goal is to help people regain control of their financial situations through education and credit counseling. And because we understand all the alternatives for reducing personal debt and improving credit, CCMS offers personal counseling that is custom-tailored to each client, from simple budget planning to debt restructuring.
CCMS works with creditors to reduce your payments; stop late charges; reduce or eliminate interest; and help bring your accounts current.CCMS provides FREE debt and credit counseling, budget planning, debt restructuring, financial education and community awareness through seminars, the media and the distribution of educational materials. CCMS provides assistance to other community organizations, Chambers of Commerce, employee assistance programs as well as corporations throughout America.
Financial Articles
How Does A Non Profit Debt Company Help You?
IF you are suffering form debt problems, you're not the only one. Almost everyone in the United States is struggling from debt. However, you must not give up and instead look for a non profit debt consolidation company.
Read more about this article
Is Your Credit Too Good?
If you pay your credit-card bills in full each month, you probably didn't take much notice when President Barack Obama signed legislation in late May aimed at keeping banks from doing such things as hiking interest rates with little or no notice and engaging in other consumer-unfriendly practices.
Read more about Is Your Credit Too Good
Heavy Debt Burden
What if you can't pay your credit card bills?
There are perhaps more answers to that question today than a few years ago, back when credit was easy to get and no one's credit limit was getting cut.
Read more about Heavy Debt Burden
Free Financial Literacy Seminars
Click Here to View the Financial Seminar Schedule
CCMS is proud to present our new Financial Literacy Seminar Series. The goal of our Financial Literacy Seminars is to offer a variety of courses and materials to individual consumers, groups and the community at large, in order to provide information that will assist in resolving a myriad of financial issues and take steps forward to ensure financial independence.
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Credit Counseling Blog
Bringing you information on current topics related to credit counseling, debt, savings and all financial matters.
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Mortgage Counseling call
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Success Stories
"This letter is to inform you that my husband and I have paid off our remaining 3 accounts with you. I would also like to thank you for all of your help with the financial situation we were in and the credit counseling you offered. You were always so kind and helpful. It made us feel great that we had someone who honestly cared about us getting out of our credit card debt. I am glad to say that we have reached the point of "debt free" except the house and car. What an Exhilarating feeling to have this tough time behind us. From the bottom of hearts, THANK YOU!!!!"
-Natalie |
