About Us

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Consumer Credit Counseling Service of Hampton Roads (CCCS) can help you get back on track financially.  As a non-profit member agency of NFCC, we offer budget, credit, and debt counseling services in person and by phone.

Our counselors find individualized solutions for difficult problems.  We work with you and your creditors to reduce interest and finance charges, set up one convenient monthly payment, reduce collection calls and create a sound plan to get you out of debt.   Through CCCS, your creditors get paid and you get peace of mind.

Thousands of Tidewater residents have turned to CCCS for helping their financial lives around.   Call us today, we can help.

Peninsula (757) 826-2227   Portsmouth/Chesapeake (757) 826-2227

What is CCCS?

• CCCS is a non-profit agency licensed by the Commonwealth of Virginia to provide free budget and debt counseling to any individual or family with debt problems regardless of race, religion, sex, national origin or income.

• CCCS does not provide legal advice.

• CCCS does not lend money.

• CCCS is supported by contributions from merchants, banks, consumer finance companies, industry, credit unions, doctors, lawyers, and other community-minded firms and individuals.

• CCCS is affiliated with and follows the guidelines of the National Foundation for Consumer Credit

• The polices and objectives of CCCS are determined by a volunteer Board of Directors.   Its members represent broad community interests and diversified business and professional backgrounds.

CCCS Promotes Family Stability and Reduces Bankruptcies

• CCCS minimizes work absenteeism, telephone calls from creditors at work, and the possibility of wage garnishment.

• CCCS helps alleviate family tension caused by financial problems.

• CCCS makes presentations to employees, businesses and community groups.  Good budgeting techniques are discussed and illustrated.

CCCS Can Help You Out of Debt

• A counselor will review your financial situation and design a workable household budget

• The interview is free and confidential

• If living expenses plus creditor payments exceed income, you may qualify to enter the Debt Management Program

• Some creditors reduce/waive interest, late fees, and/or lower monthly payments

• These arrangements may save you money and maintain good creditor relations through prompt, consistent payments.

• You make a payment each month into the CCCS office.    These funds are deposited in a trust account and distributed monthly to your creditors.

• One place to pay - one amount to pay.
  
  

Creditors Recover Funds and Do it Economically

• Creditors are able to maintain the loyalty and goodwill of its customers

• CCCS clients can be good cash customers.

• CCCS provides education-programs to the community about budgeting and the wise use of credit.

Have Questions?  Contact Us!