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Credit Card Counseling

Consumer Credit Counseling Services sometimes involve negotiating with creditors to establish a debt management plan (DMP) for a consumer. A DMP may help the debtor repay his or her debt by working out a repayment plan with the creditor. DMPs, set up by credit counselors, usually offer reduced payments, fees and interest rates to the client, but are for the full balance. Credit counselors refer to the terms dictated by the creditors to determine payments or interest reductions offered to consumers in a debt management plan.

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While CCCS is a viable option for consumers that are able to meet their minimum monthly obligations, they do come with setbacks. Visit the TDS blog to read more about CCCS programs, or contact one of our debt analysts today to go over your option.

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Debt Help Center

Negotiate Your Debt!


In four easy steps you can negotiate your debt down to a manageable monthly payment. By using our budget calculation tool you can determine if debt settlement is the best option for you…read more.

Home Ownership Not Required


Any debts that are not garaunteed by collateral are unsecured debt. Homes, vehicles, furniture and jewelry accounts are types of secured loans with collateral. Medical bills, credit cards, signature loans and personal lines of credit are types of unsecured loans…read more.

Alternative to Bankruptcy


There are a number of bankruptcy alternatives available for consumers in search of debt relief. It is very important to know and understand the differences…read more.