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.
Latest Credit Counseling Articles
Being Money Smart
But once you learn to manage your money, you'll enjoy the sense of independence that comes from being in control of your money. Have you ever asked yourself, "Where does it all go? How can I budget so I'm never short of money before my next paycheck?"...Continue ->
What To Do After Debt Settlement
Secured credit cards can be used exactly the same as unsecured credit cards, the difference being that with a secured card, your credit limit is determined by the amount of money you have chosen to deposit into the account and not by the bank issuing the card....Continue ->
When Good Debts Go Bad
If you fall late on payments to your creditors, you will be notified of penalties on your next billing cycle. You will also be subject to calls from your creditors, from what they call the “in-house collections department.” They will ask you things such as, “why were you late?” or “what was the problem last month?”...Continue ->
Getting Out Of Debt
We hear many different reasons why people got into debt and more importantly, why they are having problems getting out of debt. One size does not fit all when attempting to get out of debt, but the reality is that there are several options consumers have to resolve the situation...Continue ->
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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Bringing you information on current topics related to credit counseling, debt, savings and all financial matters.
Daily Debt Free Tips:
It is important to know where you spend your money each month. People who track their money usually spend less and save more. Keeping a budget with target spending amounts will keep you in the black and from having financial problems.
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
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