Overwhelmed by Credit Card Debt? Credit Counseling Can Help!

Credit counselors can help you get a better handle on your credit and all of your debts. Make 2022 the year you finally become debt free!

Be Careful Shopping Around the Holidays

Don't let your finances get out of hand around the holidays - start your shopping early on, budget for the holidays each month, and use cash whenever you can!

Using Your Budget to Get Out of Debt

Budgeting can help but if you’re still struggling to pay down your debt, talk to a credit counselor about enrolling in a debt management program.

Do you Have Enough Insurance Coverage?

Have you ever thought about how much you are spending on insurance? 

When to Use Credit Counseling

CCCS of Chattanooga is here to help | change starts with you - deciding to seek credit counseling and debt management is a good first step toward financial freedom.

Is Debt Settlement a Good Option?

If you're in trouble with debt and want to get out, instead of opting for debt settlement, you might benefit from enrolling in a debt management program.

Housing Moratorium Ending

If you are struggling to pay your rent or mortgage due to a job loss or other financial hardships due to COVID 19, some of your protections from the Federal Government are coming to an end.  July 31,

How Does Credit Counseling Work?

How does credit counseling work? At CCCS of Chattanooga, we will go over all your finances and help you understand your options and the next step to get back on track.

What Makes a Credit Score & How It Can Be Improved

The way a credit score is calculated may seem to be a mystery. In reality, it’s pretty straightforward. However, the burden of a low credit score can be complex, and it can significantly lower y

4 Steps Toward a Stronger Financial Future

From focusing on a debt management plan to developing a realistic budget, here are some helpful tips to build a stronger financial future.

How to Be Prepared When Your Forbearance Ends

If you have forbearance on your mortgage, student loan, or credit card, you’re going to have to pay it off when the forbearance ends - a debt management plan will help.

Debt Settlement Companies - What You Need to Know!

Here are some risks you should consider before working with a debt settlement company

Debt Collection Rules Are Changing

The Consumer Financial Protection Bureau (CFPB) has finalized revisions to the Fair Debt Collection Protection Act (FDCPA), which lays out the rules that debt collectors must follow. 

A Year In Pandemic: How to Get Your Finances Back On Track

If even after these additional short-term revenue streams haven’t helped you alleviate your debt burden to a manageable degree, you might want to look into seeking help through a debt management pla

Are Debt Management Plans Effective?

Are Debt Management Plans Effective? Debt management plans work by allowing borrowers to consolidate unsecured debt and pay them back in a shorter amount of time.

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