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Credit & Debt Counseling

Are your Bills Late? Creditors Calling?
CCCS counselors will give you directions to a debt-free life.

How do I begin?
Certified credit counselors will analyze your current finances and work with you on a confidential basis to design a personal budget, set goals to pay off debts and plan for the future. You will have a plan with options:

1. Handle your finances directly because you have made budget adjustments and learned money management from your counselor.

2. Enroll in a CCCS Debt Management Plan (DMP) to become debt-free. CCCS serves as a neutral third party in negotiating with unsecured creditors to repay, reduce or eliminate interest charges and create a plan that gets you completely out of debt.

  • DMP Benefits
    Elimination of collection calls
  • Reduced interest rates
  • One affordable monthly payment
  • Elimination of late and over limit fees
  • Potential prevention of foreclosure, repossession, legal action and shut-offs
  • A definite timeline to be debt free
  • A personal budget and action plan to help you become a financial success

DMP Fees
To become debt free, there will be a monthly fee equal to six (7%) percent of your total monthly payment (not to exceed $40 per month). The fee is included in your monthly payment. There will be regular follow-up by experienced counselors.

Timeline:
Basic credit and debt counseling generally lasts 1-1.5 hours with questions and answers.
These one-on-one sessions may be conducted either face-to-face with a counselor, by telephone or by mail.

Call Today
706-327-3239 Columbus
1-800-757-2227

Bill of Rights

Credit Counseling Authorization

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CONSUMER CREDIT COUNSELING

Services

  • Credit & Debt Counseling
  • Housing Counseling
  • Community Education
  • Budgeting

Bankruptcy

  • Bankruptcy Information
  • Pre-filing Bankruptcy Credit Counseling
  • Pre-discharge Bankruptcy Education

Education Courses

  • Credit When Credit is Due

More Information

  • FAQ
  • Resources
  • Student Loan Counseling

CONTACT CCCS

1350 15th Avenue
Columbus, Georgia 31901
1.800.757.2227
Telephone: 706.327.3239
Fax: 706.327.5750

Alicia Robeson
Client Relations/Administrative Specialist

Rosemary Warren-Spangler
Certified Financial Counselor, Certified Housing Counselor, Financial Services Coordinator
rspangler@thefamilyctr.org

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1350 15th Avenue
Columbus, GA 31901
Office: 706-327-3238

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