In addition to free budget counseling, CCOA offers a plan to help you get out of debt. We can help you get out of debt sooner with lowered interest rates, eliminating fees, and provide the simplicity of one monthly payment.

A Debt Management Plan (DMP) consolidates your unsecured debt (such as credit cards and medical bills) into one monthly payment. CCOA will work with your creditors to get lowered interest rates, stop fees, and stop collection calls. With the lowered interest rates while on the program, you not only have the simplicity of one payment a month, but you also get out of debt sooner, typically in 3-5 years.

The only fee associated with this program is a monthly administrative fee to cover our costs of sending your money to your creditors each month. The fee is tiered, and tied to the amount of the monthly disbursement to my credtiors (<$200 disbursed monthly = $15/month fee, $200-$274 disbursed = $20 fee, $275-$699 = $25 fee, >699 = $30 fee/month).

Please don’t let high interest rates and fees get you further into debt – call CCOA today to find out how we can help you become debt free. All budget counseling appointments are free so don’t hesitate!

Contact us today at 800-889-4916 to make your free appointment or contact us to have a representative call you at your convenience.

Alternatively, if you cannot meet with our counselors during our regular business hours, we can counsel you online. In order to do this, please fill out the online datasheet so that our certified counselors know how to assist you. Please allow 24-48 hours for a counselor to assess your situation and e-mail a response to you. A counselor to assess your situation and e-mail you.