The Consumer Credit Counseling Service is a non-profit community service organization that offers the best debt consolidation solution available. They have nationally certified counselors and education specialists who are dedicated to helping advise people on the best debt consolidation solution for their financial circumstances and help them get back on track. The Consumer Credit Counseling Service offers confidential, professional financial counseling and advice on all types of debt consolidation solution at no cost to the client.

Not only does the Consumer Credit Counseling Service help find people the best debt consolidation solution for paying their debts, they also offer educational programs that will improve their money management skills. One of the most common debt consolidation solution plans is to establish and administer a repayment plan called a Debt Management Program. The Debt Management Program is more than a simple debt consolidation solution and many national creditors will waive or reduce interest rates to clients who have enrolled with the program. A counselor creates a debt consolidation solution program by cooperating with a client’s creditors so the client is able to maintain an affordable schedule of payments. The aim of this debt consolidation solution is to repay creditors and avoid collections, judgments, and bankruptcy. Once all of the creditors have been repaid the counselor will work with clients to help them reestablish their credit and manage their future finances better.

The Consumer Credit Counseling Service differs from many debt consolidation solution agencies because of a commitment to education and strict standards of quality. The counselor will analyze your income, expenses, and overall financial situation, discuss a possible debt consolidation solution and make recommendations. The Debt Management Program involves negotiation with the client's creditors for special payment arrangements to allow for the debt consolidation solution to be most effective. The client pays the Consumer Credit Counseling Service a lump sum each month according to their debt consolidation solution and that is disbursed to the creditors on their behalf. All clients who enroll with this debt consolidation solution pay a one time, $10 setup fee and a monthly fee of up to $10 towards operating expenses.

As well as the Debt Management Program, the Consumer Credit Counseling Service also offers other forms of debt consolidation solution including money management assistance, self-administered debt repayment programs, help agency referrals and a large number of free financial education programs. No person is refused some form of debt consolidation solution advice and the Consumer Credit Counseling Service is committed to giving the consumer the knowledge necessary to resolve their financial difficulties.