What is CCCS? CCCS stands for Consumer Credit Counseling Services. Consumer credit counseling service agencies are Internal Revenue Service 501(c)93) nonprofit organizations that will help you find a workable solution to financial problems. Each CCCS agency offers a common set of services, including financial education, budgeting assistance, and Debt Management Plans.
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You can find lots of information on how to refinance when you have bad credit on consumer bad credit repair guide or you can talk to a personal financer.