Debt Management Program

We are licensed to provide credit counseling services for the Commonwealth of Virginia.   For appointments please call (757) 826-2227.

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Is this Program for you?

If you have debt problems, you may be eligible to enroll in a Debt Management Program. 

A Debt Management Program is a systematic way to pay down your outstanding debt through monthly deposits to CCCS of Hampton Roads, and we ensure that payments are sent directly to your creditors on your behalf to be applied to any outstanding balances.

CCCS develops a reduced repayment plan with your creditors and you may benefit from reduced or waived finance charges, late and over the limit fees. There is no minimum amount of debt required to participate in the Debt Management Program.

It takes approximately 36-60 months to repay debts through the Debt Management Program. Your account with creditors are always credited with 100 percent of the amount you pay through us 

This program serves the dual role of helping you pay your debt, and creditors receive the money owed to them.
Our certified credit counselors sit down with you to evaluate your personal situation, and come up with a workable plan you can live with and help you to become debt free.

Professional, knowledgeable, and friendly staff is always available to answer any questions or issues regarding the Debt Management Program.

*******This is not a bill paying or bankruptcy program******. 


2021 Cunningham Drive, Suite 400, Hampton, VA 23666  (757) 826-2227