A free analysis can be obtained here. If you want to resolve your financial situation please fill out the form and a counselor will be in contact with you.

Clients can now research our vast, up-to-date credit counseling information from the FTC and other experts.

Now clients can access their accounts and view activities and payments.

Community Credit Counseling is an accredited non-profit agency that helps thousands to get out of debt.

We welcome all suggestions on how we can best service you.

Please check our "FAQ" for answers to the most commonly asked questions.

Community Credit Counseling is committed to solving your problems. If you have a question, comment or suggestion, please contact us.

A BBB Accredited Business since 05/01/2001.

Frequently Asked Questions

How non - profit debt settlement works?

How debt management work?

Do I need to maintain payments to my credit card on my own?

When are my payments due?

Can I make extra payments?

When will you contact my creditors?

After I pay off one creditor, can I reduce my payment?

Will Community Credit Counseling accept my personal check and where do I send my payment?

Do I have to put all my credit cards into the program?

Can I keep using my accounts while in your program?

Do I still receive calls from my creditors?

What happens if I miss a payment?

Will I continue to get statements from my creditors?

Is this like bankruptcy?

Will my creditor stop interest?

When do my creditors make interest and late fee adjustments?

How does going through debt management affect my credit?

Can my credit be repaired through debt management?

What if I need to purchase a home or a car while I am on debt management program?

Will my employer know I have a credit problem?

Fair Debt Collection Practices Act Links

The Fair Debt Collection Practices Act [PDF]	Debt Collection FAQs: A Guide for Consumers Consumer Information on "Dealing with Debt" from ftc.gov/moneymatters Additional Consumer and Business Publications
FTC Staff Commentary on the FDCPA (December 13, 1988)	Commission's Annual FDCPA Report (February 2009) [PDF]
FTC Staff Opinion Letters (April 1988 to May 2002) Except in unusual circumstances, the staff will no longer issue informal written interpretations of the FDCPA. However, the staff may issue informal opinions or revise its Staff Commentary as necessary to provide guidance regarding significant amendments to the FDCPA in the future.	Collecting Consumer Debts: The Challenges of Change: A Federal Trade Commission Workshop Report (February 2009)
Commission FDCPA Advisory Opinions FCRA Direct Dispute Rule and FDCPA cease communication requests (June 23, 2009) Communicating with consumers regarding possible mortgage settlement options (March 25, 2008) Informing consumers that collection efforts have ceased (October 9, 2007) Collection activity during the Section 809 dispute period (March 31, 2000)	Debt Collection FAQs: A Guide for Consumers [PDF] [en español] Answers commonly asked questions about your rights under the Fair Debt Collection Practices Act, which requires that debt collectors treat you fairly and prohibits certain methods of debt collection.

*This information was obtained from the Federal Trade Commission and the FDIC. These can also can be found at www.ftc.gov and www.fdic.com, respectively.

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A NON-PROFIT 501 (C) (3) ORGANIZATION
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BBB MEMBER SINCE 2001
AFCPE CERTIFIED CREDIT COUNSELORS