Start eliminating your debt now!
Click below to download an application:

CCCS Application (pdf)

Q and A about our Debt Management Program (pdf)

Bankruptcy Counseling Information (pdf)

Download a free copy of Adobe Acrobat Reader to view our online forms. click here

For questions regarding Consumer Credit Counseling
cccs@compassofcarolina.org

Are you in control of your finances...or do your finances control you?

Getting into debt is easy, getting out of debt takes knowledge, effort, and real determination. How do you know when you need financial help? For starters, take the test below. This should give you an idea of your financial situation.

If you spend more than 20% of you take-home pay on unsecured debt - such as credit card payments or signature loans - you owe too much.

If you answered "yes" to two or more of these questions, it's time to act. Consumer Credit Counseling Service can help you find your way out of debt.

Why choose Compass of Carolina?

**Because we pride ourselves as one of the few remaining one-on-one, not- for- profit credit counseling agencies in the United States.

• Fees:

$25.00 per counseling session for all initial Financial Assessments $25.00 each month for clients enrolled in our Debt Management Program (DMP)
$50.00 per certificate for Pre-filing and Pre-discharge Bankruptcy counseling

• CCCS is a part of the National Foundation for Credit Counseling (NFCC), the nation's oldest and largest network of non-profit credit counseling agencies.

• In February of 2006, we became re-accredited by the Council on Accreditation of Services for Families and Children, Inc.

• We serve over 13,000 clients each year.

• All of our credit counselors are certified through the National Foundation for Credit Counseling.

• We are a United Way supported agency.

We can provide you with the best services available in this area, whether it be with our Debt Management Program, budget review, credit reports, home ownership, education, advice, possible referrals to other agencies or institutions to solve specific problems, recommendations for specific changes in client behavior, or all of the above, we are here for you.

Programs:

Representative Payee Program
The Representative Payee Program is for those individuals who are currently on a fixed income from Social Security, SSI, and/or the VA. We will be responsible for ensuring that all of the benefit payments are used for basic needs, which in turn should provide the beneficiary with a more stable environment.

Budget and Credit Counseling
Includes a comprehensive budget review, along with a written action plan.

Debt Management Program
The agency will actively intervene with the creditors to arrange a Debt Management Plan (DMP), and creditor concessions in the form of reduced interest rates, reduced fees, and minimum monthly payments.

Bankruptcy Counseling
Our agency is approved by the U.S. Department of Justice to provide counseling and issue certificates to individuals who are contemplating bankruptcy. We also counsel and provide certificates for debtor education as required by the 2005 bankruptcy reform legislation.

US Department of Justice disclaimer statement:

" Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services."

Housing Counseling
Includes pre-purchase, default, and pre-foreclosure education.

Credit Report Counseling
Review of information included on the report, and educational materials on how to interpret this information.

Educational Workshops
We have certified financial counselors available to provide any kind of financial education workshops upon request.