Debt Management Program

Thank you so very, very much! I can't tell you how wonderful all of you have been to work with. Your customer service is amazing and the service you provide has turned our lives around- so thank you! I can't wait until we are paid in full!

Thank you SO much for helping in getting our debt bills paid!! What a great feeling! We most definitely would recommend your organization to anyone that was having money problems! Hope everyone at your office has a great and safe Christmas and that they are all paying with cash!

I just completed 4 years of paying off a $20,000 credit card debt and I cannot thank you enough. The renegotiated rates and payments got us through a difficult time after closing a 20-year business post 9-11. We stalled for two years before using CCCS of Chattanooga as I'm sure many people do. We didn't understand it and thought it would ruin our credit rating so we quietly suffered. Boy, were we wrong. We are so glad we came to CCCS. Thank you!

I had to take a major pay cut of about 30%. Credit card debt was a major expense that had to be addressed. I read articles on credit card debt and I think CCCS of Chattanooga was one of the recommendations. They were extremely professional, and the recommendations, solutions, and goals made sense. I wish I would have done it earlier. I would absolutely recommend them to someone in need.

"I felt like I was out of options. I had paid hundreds of dollars in credit card bills for years, always making all of my payments, but the balances weren't going anywhere. I had depended on these cards for so long, I felt powerless when all of a sudden I didn't have any. I counted on them all those years as a backup, so I was a nervous wreck. It seemed to be never-ending."

"My interest rates were high. Very high! I called the credit card companies but they would not lower them. I came to CCCS of Chattanooga and now some of my accounts have rates as low as 5.9%!"

When I came to CCCS of Chattanooga I was in complete shock. My husband and I were both laid-off on the same day! We were in over our heads, and creditors were constantly calling. The set-up process was so easy. I did the appointment over the phone and received the paperwork shortly after. I am so happy we found CCCS. The staff was really nice and very courteous. Any time we had questions about our account, they were addressed immediately; and if we could not receive an immediate answer we had a response within 24 hours. It feels so amazing to have our creditors off our back. Having our interest rates reduced and being able to have one convenient monthly payment, made this program so easy. I am so thankful that CCCS of Chattanooga dealt with our creditors. I don't know how we would have gotten out of debt without you!

"It's very nice to be able to know when the money will be coming out and how much is due each month. It's very convenient that we don't have to figure out where to send all our bills each month, and it is a lot less stressful trying to budget and remember everything. In addition since being on the debt management program, we were also able to get a car loan.

"The customer service has always been very pleasant and it's never been a hassle when we have called. We also have never dreaded calling. We've had to change our payment date several times and the service we received was great!"

"This program has taken a whole lot of stress off of us. We feel like we can see a light at the end of the tunnel, as opposed to feeling like we are in quicksand."

You make one monthly payment and CCCS pays the credit cards for you. They are able to lower your interest rates and that is what really helps pay down the debt. All I have to do is watch my statements to verify payments have posted, my interest rates stay low and I am done!!

I am very happy with the program and would recommend it to others!