Consumer Credit Counseling Service of the CSRA

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Building financial stability...
one step at a time.

Credit Counseling & Debt Management

A personalized credit counseling service that:

  • Analyzes your current financial situation.
  • Assists in developing a realistic monthly budget in order to support your financial obligations.
  • Explores options for effectively managing your debt load.
  • Addresses the “true costs” – both evident and not so evident – of using credit.
  • Discusses credit contracts and pertinent terminology.
  • Examines ways to establish or re-establish credit.

The initial counseling session generally lasts 1 – 1.5 hours, and follow-up sessions may be scheduled as needed. We charge $20 for the initial consultation, but the fee can be waived.

Although not a debt consolidation per se, our Debt Management Plan (DMP) can consolidate your payments while:

  • Contacting your creditors in order to arrange a realistic monthly repayment program.
  • Negotiating with your creditors regarding interest concessions and fee waivers.

A DMP can help you with your unsecured debts, such as credit card bills. Creditors work with CCCS in reducing monthly payments and interest rates and/or waiving fees to assist clients who are overextended or in hardship.

In some circumstances we are able to save our clients hundreds of dollars a month in fees and finance charges. Fees apply; contact our office.

How do you know if you are in financial trouble? Watch the video below and find out.


[Intro: "Financial Fast Facts with Gail Cunningham"]

Gail Cunningham, National Foundation for Credit Counseling: Many people wonder if they're truly in over their head financially. Simply asking the question often is answer enough. Hi, I'm Gail Cunningham, and let's take a look at some financial danger signs and see how you stack up.

If you've got a pencil and paper handy, take this brief true or false quiz:

  • Sometimes I can't pay all of my bills on time.
  • There are arguments in my home about money.
  • I have hidden purchases from others.
  • I have thought about filing for bankruptcy.
  • I have depleted all of my savings.
  • My debt interferes with my job or my relationships.
  • I receive collection calls or letters.
  • If I lost my job it would mean an immediate financial crisis in my life.
  • I have my bills sent to a Post Office box so no one else will know about them.
  • Most of my credit cards are near their limit, so I've begun applying for new credit.

OK, how'd you do? Most people answer true to one or two of these questions, but if you found yourself identifying with more than that, it's time you reached out for help. An hour spent with a trained and certified credit counselor will be time well spent. I'm Gail Cunningham, and that's your Financial Fast Fact.

[National Foundation for Credit Counseling: Knowing the difference can make all the difference. For more information or answers to your financial questions, contact the NFCC at or call: 1-800-388-2227.]



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  • NFCC Member
  • United Way
  • COA: Council on Accreditation
  • Department of Housing and Urban Development
  • National Homeownership Industry Standards
  • Consumer Credit Counseling Service is a BBB Accredited Business. Click for the BBB Business Review of this Credit & Debt Counseling in Macon GA