1. Consumer Credit Counseling Service
Consumer Credit Counseling Service (CCCS) is a private, non-profit, community-supported, United Way agency dedicated to helping people solve their financial problems. We offer FREE, confidential budget, credit and housing counseling.

2. Making an Appointment
Consumers can call and request a free counseling appointment with one of our professional, certified counselors to review expenses, income and spending habits. CCCS services are entirely confidential; no one else will know about your financial troubles, concerns or plans. CCCS works directly with you and, if you want, your creditors. Call our office to schedule an appointment with one of our counselors. Appointments are available (days and evenings) for in-person or telephone counseling. Within North Carolina call us toll free at 1-800-737-5485. Out-of-state, (828) 255-5166.

3. Helping You Pay Your Bills
For consumers who are financially overextended, we offer a debt repayment program to help you repay unsecured creditors. Many creditors will reduce or waive interest charges and other charges when payments are made through CCCS.

Click here for more about the Debt Repayment Plan

4. Funding Sources for Consumer Credit Counseling Service
The agency is a member of the National Foundation for Consumer Credit. CCCS is funded by local United Ways, local governments, HUD grants, and contributions from creditors, clients, and area businesses.