Our Services


People can run into financial difficulties for a variety of reasons. A lack of planning or little understanding of one’s options can quickly lead to financial challenges. CCCS offers one-on-one counseling in-person, on the phone, or over the Internet. With our services, we hope to help you regain a sense of financial well-being.

All counselors and educators maintain National Foundation for Credit Counseling (NFCC) certifications and are licensed through South Carolina Department of Consumer Affairs. All counselors and educators are trained through the Georgia Department of Community Affairs and NeighborWorks America.

During a session, you and your counselor will discuss your goals, review your income and expenses, assets and liabilities, debt, discuss your options, and provide a customized action plan. Client confidentiality and privacy is one of our top priorities. There is no upfront charge for many CCCS services offered, regardless of ability to pay.

Our Services

Access for the disabled

CCCS provides phone counseling for the disabled population that cannot travel to an office location. For the hearing impaired, a federal phone service provider offers phone relay. An online Federal Government TTY Directory is accessible at www.federaltty.us.The FedRelay is accessible domestically (50 states as well as Puerto Rico, the Virgin Islands, Guam, and the District of Columbia) 24 hours a day, 7 days a week, 365 days a year (including federal holidays). All calls are strictly confidential and no records of conversations are maintained. Toll-Free and Toll Access Numbers for Federal Relay are:

• (800) 877-8339 TTY
• (877) 877-6280 VCO (Voice Carry Over)
• (877) 877-8982 Speech-to-Speech
• (800) 845-6136 Spanish
• (800) 877-0996 Customer Service (Voice/TTY, ASCII and Spanish)
• (866) 377-8642 Voice
• (866) 893-8340 TeleBraille

CCCS provides audio recorded materials related to foreclosure assistance on a CD. Additional materials can be printed in larger font, appropriate line spacing and contrasting background.

Managing Debt

Avoiding foreclosure


Improving Credit

Buying a Home

Finacial Workshops


Reverse Mortage

Spending Plan


 ACT NOWDont’ wait. Call CCCS Today at 800-821-4040 or email cccs@cccssav.com.

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