Services

Budget Counseling

The counseling service at CCCS is FREE, and CONFIDENTIAL.  A certified counselor will meet with you privately to analyze your income, living expenses, and debts.  Together we will discuss spending and debt reduction strategies for you.

Debt Management Program  (DMP)

In this program, we will contact each of your creditors in writing and ask them to accept monthly payments according to a CCCS proposed plan.  You are responsible for depositing with CCCS a specified amount of money each month by money order, cashiers check, payroll deduction or electronic withdrawal. Your deposit then is distributed monthly to each of your creditors until all of your debts are paid, or until you wish to terminate your program.  While on your plan, your creditors are asked to stop all collection activity, reduce or eliminate interest and other charges, and to deal directly with our office. 

Education

CCCS offers a variety of free or low cost Personal Finance Workshops at our Education Center.  Call for a current class schedule.  260-432-8200 or 1-800-432-0420.  You may also check out our class schedule at www.financialhope.org