Why CCCSMD?

For over 50 years, CCCSMD has been a certified nonprofit provider of budget, credit and debt counseling. We have helped thousands of people who are struggling to pay their bills sort through the confusion, create a realistic budget to achieve their goals, and start on the road to financial security. Our counselors understand your situation, know how to navigate your challenges and are focused on finding you personalized solutions.

“The biggest challenge I face as a counselor is convincing people they can find the money to meet their goals. We work through things, step by step, and I show them where to make changes in their day-to-day lives for their long-term financial benefit. Some people are surprised to see for the first time where their money has actually been going. At the end of our session, a lot people tell me they feel like a weight has been lifted and they have a plan.” Stephen, Credit Counselor

April, Florida

I didn’t believe I had the money to pay my debt off. (My counselor) showed me where I could reduce some of my expenses and put more money towards becoming financially secure.

April, Florida
Devon, Delaware

All I could think about were my bills. I felt like I was on a never-ending treadmill. Now that I have a realistic budget, I’m finally gaining traction on paying off my debt.

Devon, Delaware
Taliah, Delaware

I have a lot better understanding of my financial situation. I can see now where I was making some mistakes, but my counselor helped me fix them.

Taliah, Delaware
Carole, Maryland

I greatly appreciate everything you walked me through, the home buying seminar and the one-on-one interaction. I learned a lot and I definitely feel better prepared for the responsibilities of homeownership.

Carole, Maryland
Duane, Maryland

It was hard to sleep at night thinking I might lose my home. My counselor explained my options and helped me work with my lender to make a plan.

Duane, Maryland
Sherri, New Jersey

From the moment I walked in the door, I didn’t  feel like I was judged or chastised for my situation.

Sherri, New Jersey