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Frequently Asked Questions

Frequently Asked Questions


What exactly is Consumer Credit Counseling Service?

Consumer Credit Counseling Service (CCCS) of Mobile is a non-profit community service agency established in 1989 to provide:


  • Low-cost, confidential budget, credit/debt management and housing counseling

    Consumers can call and request a counseling appointment with one of our professional, certified counselors to review expenses, income and spending habits.

  • Debt management plans (DMP) to repay creditors

    For consumers who are financially overextended, we offer a debt management plan to help you repay creditors. Many creditors will reduce or waive interest charges when payments are made through CCCS.

  • Financial Literacy Opportunities

    Our education department offers free and low-cost workshops for clients, employee groups, civic groups, church groups, or other groups who may be interested. Examples of topics covered are Money Management, Understanding Credit, Couples & Money, Consumer Awareness, as well as, Home Buyer Training. For more information, please click on the Calendar tab above.

  • Telephone Counseling Services

    Counseling appointments are available via telephone for consumers experiencing time or transportation constraints.

CCCS of Mobile is a member of the National Foundation for Credit Counseling, Inc., is accredited by the Council on Accreditation of Services for Families & Children, Inc., is approved to provide Comprehensive Housing Counseling by the U. S. Department of Housing and Urban Development and is an affiliate agency with the United Way of Southwest Alabama and the South Baldwin County United Way.

Helping people find real solutions to real problems.

Consumer Credit Counseling Service (CCCS): Consumer Credit Counseling Service provides consumers in Southwest Alabama with assistance in managing personal finances, both preventive - for those wanting to avoid serious financial problems and rehabilitative - for those who are experiencing financial problems.

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