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 Financial Advocates understand your situation, know how to navigate your challenges and are focused on finding you personalized solutions.

“The biggest challenge I face as a Financial Advocate 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 Financial Advocate

Susan H.

I have been working with CCCSMD over the past three years.  This has been a great service which has allowed me to pay down my outstanding debt […] In the next two months, all of my outstanding debt will be completely paid off!

I want to thank CCCSMD for providing this service, not only for myself, but for the thousands of us who, for one reason or another, find themselves in more debt than they can comfortably pay off while they still continue to pay for rent, car payments, groceries, etc.  It is scary to know this can happen, for a variety of reasons, sometimes not your own fault (illness, medical bills, lay off at work, loss of spouse for any number of reasons) and thankfully you are there to help us get back on our feet and find our ways in a way too credit friendly world. I highly recommend CCCSMD to anyone struggling with debt. I know all too well It can be a very scary place.

Again, thanks so much for your assistance and support over the last three plus years.

Susan H.
April, Florida

I didn’t believe I had the money to pay my debt off. (My Financial Advocate) 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 Financial Advocate 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