We have many services that are offered, but the most requested is our debt managed program, a structured repayment program to reduce and eliminate debt by reducing interest charges and fees that would otherwise be charged to the consumer.  We work with each client to provide an affordable repayment of creditors and help the client reach financial goals through income and expense management.  The client is provided an action plan that outlines those steps a client can take in reaching financial goals and improving personal financial management while becoming debt free.  There is no fee for our counseling sessions.  CCCS also provides housing counseling and is a HUD approved housing counseling agency that help clients that may be past due on mortgage payments or facing foreclosure.  We also assist with providing clients information on how to prepare for the purchase of home, a financial goal that most individuals would like to achieve.  There is no fee for this service as well.  We are also certified by the Unites States Federal Trustees office to provide bankruptcy counseling that would enable a client to obtain a pre filing certificate that is required by Federal law prior to filing bankruptcy.  We also provide the two hour financial management course that is required before an individual can be discharged from a bankruptcy filing.