Debt Counseling Services and Quick Debt Quiz

How does the program work?

Reduced Interest - Lower Payments

You make one Monthly Payment for all creditors

Your creditors get paid every month

You are out of debt in 60 months, or less

One-time set-up fee of $0-$50

Low monthly fee $0-$65 (waived for those who cannot afford fees)

Schedule your appointment for a  FREE CONFIDENTIAL consultation in person or via phone.

You can submit your information through our(click)

Your meeting with a Certified Consumer Credit Counselor will include a discussion of your current situation, your concerns and questions, a review of your income, expenses and debt, an explanation of your options, and a written Action Plan. 

Your counselor will help you develop a monthly living expense budget along with a payment plan to your creditors.   Many creditors will reduce interest and stop late and over-limit fees, allowing for lower payments, for clients who enter a Debt Management Program (DMP).   With reduced interest and lower payments you will be able to get out of debt in 60 months, or less.  And, by following your new budget plan you will be on your way to a debt free financial future.

On a DMP you send in monthly deposits, based on the planned creditor payment schedule, and CCCS disburses your monthly payments to your creditors for you.  There is a one-time set-up fee of $0-$50 to help cover administrative expenses, and your monthly maintenance fee will not be more than 15% of your monthly payment as set by the State of Oregon Law (the maximum monthly fee allowed is $65).  The average fee our clients pay is $22.  Your fee is based on your individual circumstances.  No one is ever turned away because they cannot afford fees.

Every year, more and more of our clients "graduate" to a debt-free life. Get started on your plan today.