Our Services


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

All counselors and educators maintain the National Foundation for Credit Counseling (NFCC) certifications and are licensed through the South Carolina Department of Consumer Affairs. Also, 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. Undoubtedly, client confidentiality and privacy are our top priorities. Furthermore, there are no upfront charges for many CCCS services offered, regardless of ability to pay.

Our Services

Access for the disabled

We provide phone counseling for the disabled population that cannot travel to an office location. Also, for the hearing impaired, a federal phone service provider offers phone relay. Furthermore, an online Federal Government TTY Directory is accessible at www.federaltty.us. In fact, the FedRelay is accessible in 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). Also, all calls are confidential and they maintain no records of conversations. 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 help on a CD. Further, we can print more materials in a larger font with 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 912-691-2227 or click here.

Also, to hear some of our clients’ success stories with the CCCS, click here!