To speak with a Counselor about debt management:

1. Click on the “Live Chat” button on the right

2. OR Call 1-800-568-4545 to speak with a counselor (English or Spanish)

3. OR Complete the Consultation Request Form and CCMS will call you at a convenient time of your choice for a free consultation about debt management.

List of states CCMS is licensed for debt management counseling CLICK HERE

REDUCE YOUR PAYMENTS

Debt Management Program (DMP)
This program was designed to help consumers with their credit card and other unsecured debt. The program offers lower interest rates, elimination of late and over the limit fees, and lower payments. This helps to bring your accounts current, stops harassing collection calls and allows you to pay off your debts sooner.  A DMP may also help you avoid bankruptcy or foreclosure.

Reduction of Interest
The debt management program can reduce your annual interest rate saving you thousands of dollars in interest.

End Creditor Harassment
The debt management program will put an end to the harassing phone calls and letters from collection agencies and creditors

Late and Over Limit Fees Stopped
Elimination of creditor fees, like over the limit and late fees, which make getting out of debt so difficult.

One Lower Monthly Payment
The CCMS Debt Management Program provides you with one set monthly payment, often lower than your current payment, allowing you to maintain a monthly budget.

Consumer Credit Management Services Inc. (CCMS) is a HUD approved 501(C)3 national non-profit organization. Our Certified Counselors provide financial education and counseling to enable consumers to stabilize their finances, manage debt and credit, find affordable housing and prosper financially.