Success Stories

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Debt Management Client
“I had massive college debt on my credit cards and I was overwhelmed. I also had mounting hospital bills and I was in my twenties. CCCS helped me breathe again! I was able to make monthly payments, therefore keeping me fiscally responsible. Thanks to CCCS I am in graduate school and my bills and overload are now paid off. I have no debt and I am able to get my masters from Savannah State.”
Credit Counseled Client
“Ms. Harris was really great! She was helpful and thorough and always took the time out to explain all of the information that I needed to know. I am now able to budget better and I don’t use my credit cards anymore. It was an eye-opening experience and I now know what it feels like to obtain financial free.
Workshop Participant
Mr. Gardenhire, a U.S. Army Corps of Engineers employee, participated in the CCCS home buyer workshop and said: “Richard Reeve taught this class and it was great. I wish some of my college teachers had as much energy and knowledge as he did. He is very informative and entertaining. You need that when teaching.”
Mortgage Assistance Client
“Jennifer Sikes is nothing short of an angel from God because she explained everything and answered all of my questions and helped me with all my documents. She walked me step by step through everything.  He was patient and kind and even though we met over the phone I truly felt like I had a friend that I had known all my life helping me. She knew I was worried and I was scared to lose the only home me and my son has ever had.  She called me back every time there was an update and she was truly wonderful. When the mortgage lender gave me problems, Jennifer quickly got the ball rolling again.”
Bankruptcy Assistance Client
A client was in bankruptcy and had been struggling with mortgage payments for quite some time. He came to CCCS to receive help with applying for a loan modification. The mortgage company approved the loan modification, but he needed help understanding his terms. He spoke with Ms. Harris. She contacted his servicer and relayed all the modification terms to him in a way that he could understand. As a result, he received a permanent modification and he is now able to afford his monthly expenses.“Ms. Harris was really great! She was helpful and thorough and always took the time out to explain all of the information that I needed to know. I am now able to budget better and I don’t use my credit cards anymore. It was an eye-opening experience and I now know what it feels like to obtain financial freedom!”
Debt Management Client
This military client was retiring from and had $28,886 in credit card debt.  Karen Lavery, their CCCS counselor, enrolled them in a DMP that saved them $373 per month and $24,694 over the life of the plan.  The client said: To Karen “As you know my husband is retiring from the military and we need to get our credit card debt under control, you helped us so much.  You made sure that the monthly payment would not be higher than his retirement pay.  Also, a huge thank you for the help you gave us in recommending my husband for a job with the BCSO, this has enabled us to stay in Beaufort County”.