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Consumer Credit Management Services Inc. (CCMS) is a HUD approved 501(C)3 national non-profit organization. Our Certified Counselors provide financial education, credit counseling and debt management to enable consumers to stabilize their finances, responsibly manage their debt, improve their credit, find affordable housing and prosper financially. We also offer reverse mortgage counseling, foreclosure counseling, a debt management program, free seminars and information for first time homebuyers, and HUD-approved counselors to assist with Florida’s Hardest Hit Fund Program.

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