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Debt Management

Beware Debt Settlement Companies

Debt Management Programs are different from debt settlement plans.  Debt settlement plans often involve:

  • hefty upfront fees,
  • severe damage to your credit rating,
  • legal action by creditors,
  • tax obligations on settlement savings, and
  • bigger, more problematic debt.

Instead, consider negotiating directly with creditors or seeking help from a non-profit credit counseling agency like CCC.

Become Debt Free

Get started today!  Enter your financial information in our short online intake form.  A counselor will follow-up with you upon submission. 

Debt Management

A Debt Management Program (DMP) is a repayment plan which helps make unsecured debt payments more affordable.  There are many benefits to participating in Community Credit Counseling Services' (CCC) DMP.

  • Lower your interest rates.
  • Reduce your monthly payments.
  • Get out of debt faster, in just 36 to 60 months.
  • Make one payment each month instead of multiple payments to several creditors.
  • Avoid bankruptcy.
  • Prevent judgments and garnishments.
  • Stop creditor calls.
  • Keep your credit record and credit score strong.
  • Stop late fees and over-limit fees.
  • End financial stress in your life.

What happens in the first appointment? Your credit counselor will meet with you face-to-face to discuss and develop a budget, strategies for reducing financial stress, and plan for a strong financial future. The initial consultation is free and there is no obligation to enroll in the program. Your counselor will listen to your situation, and then provide you with a range of options tailored to your goals.  If debt management is not your best option we’ll tell you that, too.  Call (303) 233-2773 or get started by entering your financial information in our short online intake form.  A counselor will follow-up with you upon submission.

Why choose Community Credit Counseling Services (CCC)? We are the only locally-based agency offering debt management services in the Denver metro area, and we are registered with the State of Colorado.  All of our credit counselors maintain certification though the Association for Financial Counseling and Planning Education and our agency is accredited through the Council on Accreditation, an independent, third-party association.  We help with more than just credit cards; we also enroll medical, collection and legal accounts.  In addition, our counselors provide resources on resolving student loan and payday loan debt.

Take control of your debt today – call us at (303) 233-2773 to schedule a free consultation with one of our professionally-trained and certified credit counselors or get started by entering your financial information in our short online intake form.  A counselor will follow-up with you upon submission!