Consumer Credit Counseling Services of Hampton Roads
Helping to Improve Your Financial Health
and Peace of Mind.
REPRESENTATIVE PAYEE PROGRAM
About Consumer Credit Counseling
Consumer Credit Counseling Services (CCCS) of Hampton Roads is a program of the Center for Child & Family Services and is licensed by the State of Virginia (DC-58) to provide credit counseling and debt management services. Consumer Credit Counseling Services has been offering services to the Virginia Peninsula since 1982.
Our Consumer Credit Counseling program offers unique solutions to your financial concerns. Our certified credit counselors are able to provide confidential professional counseling services in your time of need. We will work with you to develop a realistic plan to reach your financial goals. Our services include personal budget and money management, credit and debt counseling (debt management program).
Personal Budget Counseling & Money Management
Our certified counselors offer free confidential help with budgeting, money management and credit issues through one-on-one counseling. A counselor will help create a workable budget to balance your income and expenses. They will help you establish short, immediate, and long term financial goals so you and your family can reach your financial dreams.
Debt Management Program
Our debt management program (DMP) is designed to help individuals struggling with unmanageable credit cards and unsecured loans. Our certified counselors offer individual advice by reviewing your current financial situation and determining effective financial strategies to get credit card debt under control. There is no minimum amount of debt required to participate in the program.
We will work with you to develop a payment program to your creditors that will allow for you to make one convenient monthly payment to the program and CCCS will then distribute your payment monthly to your creditors.
By enrolling and particitping in the debt management program, some creditors may offer reduced interest rates, stop late payment fees, and reduce monthly payments. Normally, after an account is enrolled in an approved DMP plan, the creditor / collection calls will stop and you will be taking the first step to getting back on a sold financial track. The DMP program is a 100% payback to your creditors. It shortens your payoff time and you may become debt free with your constant monthly payment to your credits with your monthly payment in the program. Normal time in a debt management program is 36-60 months depending on client credit card debt, monthly payment and creditor concessions. There is a monthly fee to participate in the program.
CCCS is supported by contributions from creditors, banks, consumer finance companies, credit unions, and other community minded organizations and individuals. The policies and procedures of CCCS are determined by a volunteer Board of Directors. It’s members represent a broad community interest with diverse backgrounds.
Licensed by the Virginia State Corporation Commission. License number DC-58
To learn more, please call us at (757)826-2227
Licensed by the Virginia State Corporation Commission. License number DC-58.
Consumer credit counseling services of Hampton Roads is a member agency of the national foundation for credit counseling and is accredited by the Council on Accreditation (COA) to ensure the highest standards are maintained as a nonprofit credit counseling agency.
KNOWING THE DIFFERENCE
Selecting the right credit counseling agency is a vital first step to financial recovery and freedom. This means knowing the difference between reputable credit counseling agencies and those that do not always act in the best interest of the consumers. To select the right credit counseling agencies look for agencies that are Members of the National Foundation for Credit Counseling such as Consumer Credit Counseling Services of Hampton Roads. This is one way to ensure that you are selecting the right credit-counseling partner.