William B.
They knocked down my interest a good…
They knocked down my interest a good amount and helped me with any questions or concerns I had.

We are a 501(c)(3) nonprofit organization that provides financial education, counseling, and debt relief services to individuals and families nationwide. Our mission is to empower people to take control of their finances and make informed financial decisions. We provide counseling services, debt management plans, and educational resources to help our clients gain financial freedom. Our team of certified counselors is dedicated to helping our clients understand their finances and develop a plan to get out of debt. We have been in business since 2002 and have proudly served thousands of clients throughout the United States. CCCF is a member of Financial Counseling Association of America. CCCF is also accredited by BSI as per ISO 9001:2025 standard. Our team of counselors is highly trained and certified as per industry standards. We understand the unique financial challenges faced by each of our clients and provide solutions tailored to their individual circumstances. We are committed to educating our clients and providing them with the tools and resources they need to achieve financial freedom. We believe in the power of counseling and look forward to helping our clients achieve their financial goals. Thank you for visiting our website, and please contact us if you have any questions or would like to learn more about our services.
Consumer Credit Counseling Foundation (cccfusa.org) has 310 customer reviews on Five Star Index, with an average rating of 4.8 out of 5.
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Credit & Debt Services · Irvine, California
Excellent

Credit & Debt Services · San Diego, California
Excellent

Credit & Debt Services · Camarillo, California
Excellent

Credit & Debt Services · Costa Mesa, California
Excellent
310 approved reviews, newest moderated first
William B.
They knocked down my interest a good amount and helped me with any questions or concerns I had.
Gina K.
Helpful agents. Easy to understand and get set up. Gives back peace of mind about finances.
Scrapsteen
STAY AWAY FROM THIS COMPANY. They literally pay your bills and make money off stretching them out over the course of 4 years or whatever you agree on. This company is predatory, the latch on and unless you call them and have a 30 minute arguement on why you can handle your own finances, they will not let it go. I got more information on APR from the credit card company than these "counsellors", turns out they try and sare you with big numbers but when you break down APR monthly the percentage rate they lower it too as compared to the one you already have is minuscule and although their low monthly payment sounds great, over the course of 4 or 5 years you end up paying as much interest as principle. I suggest a credit consolidation loan over this service which literally latches on too your finances and bleeds you.
Maria Bustos G.
Information was given without any problems I asked a question she gave me a response that helped me understand what I needed to know
Jesus
Easy to work with, simple to understand!
Star F.
Like about CCCF is it is a legit company and they help me to reduce my debt. I paid it off and I going to warn you that they will contact your credit account to negotiate a monthly payment and they will closed the account which it is going to lower down 10% of your credit.
Mandy U.
Sep 19th I signed up for help negotiating interests down on $12,000 cc/medical debt when facing brain surgery. Sep 29th, cancelled since I'd contacted. Extremely complex to cancel though I'd multiple times confirmed I could in the first two weeks. Late October I found they had contacted my CCs and closed them. Cc said they couldn't talk to me because the company took over The company took the cowardly and lazy view that I wasn't their client But they destroyed me Consulted with three attorneys I was forced into bankruptcy and therefore years of disgusting impact to me BECAUSE they are fraudulent and did this totally illegally. It's the worst worthless "legit" business I have encountered and I work in ethical hacking/cybersecurity and see traffickers, scammers, and criminals constantly. At least they aren't hiding or acting like they are an aid. They know they are destroying lives. This foundation wouldn't even handle basic things on their absolute mistake. Also, they say it's $50/mo but the contract says up to $200/mo and they require other fees be paid. Part of why I cancelled.
Manuel T.
They're currently helping with debt, employees are very professional and polite. Highly recommend them