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  • EDUCATION

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    Workshops & Seminars

    More cash may offer a quick fix for financial problems -- but education provides a permanent solution.

    Register for a free workshop or an in-depth seminar today!

    LEARN MORE
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    “Education is the cornerstone of everything we do at CCCS-OC. It is our vision to bring financial skills to everyone who walks through our doors.” -- Cheryl Y. Spencer-Borden, President/CEO

  • COUNSELING

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    Meet a CCCS Counselor

    It's free. It's confidential. It can change everything for good.

    » Counseling FAQs

    Schedule Appointment
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    “I've transformed an $800 monthly budget deficit to building savings of over $1500.00! You have given me the tools for success, hope for a better financial future and the realization that I, too, can have a great credit score.” -- Pat F.

  • DEBT MANAGEMENT

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    Get Out Of Debt

    The Debt Management Plan (DMP) is individually designed for each client to repay debt in the most efficient way possible by:

    - lowering payments,
    - reducing interest rates,
    - stopping late and overlimit fees,
    - ending collection calls, and
    - combining creditor payments into one simplified monthly deposit.

    Learn More
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    “We're now completely free of debt & we couldn’t have done it without you. We recommend CCCS-OC to everyone who is struggling with debt to help them get back on their feet.” -- Brian & Cynthia R.

  • BANKRUPTCY

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    Bankruptcy Counseling & Education

    We offer Approved Pre-filing Bankruptcy Counseling and Pre-Discharge Education as required by the Bankruptcy Code. Receive your required certificates* quickly and easily with our affordable and easily-accessed programs.

    » Pre-Filing Counseling
    » Pre-Discharge Education

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    “You have made this whole horrible nightmare of bankruptcy manageable! I would love to volunteer to help others with your organization!” -- Christine C.

  • FORECLOSURE

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    Avoid Foreclosure with HAMP Assistance

    The Making Home Affordable Program provides opportunities for homeowners in bankruptcy to modify their mortgage to make their payments more affordable.

    LEARN MORE
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    “Throughout the process of trying to get help on our mortgage, we had to talk to many people – but you made us feel that we matter, that our case was not just a number for you. We can’t thank you enough!” – David & Graciela B.

  • CONTRIBUTE

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    A Walk In Their Shoes

    People from every walk of life are partnering with CCCS-OC to improve their financial well-being through our education, counseling, and intervention programs. Every day, someone's life changes for the better because of the help they receive from CCCS.

    HOW YOU CAN HELP
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    “The wide array of programs & services provided by CCCS-OC play a vital role in helping people find financial stability. CCCS-OC truly makes a difference in the community’s financial health” -- Congresswoman Loretta Sanchez