About Us: DebtHelper: Non-Profit Bankruptcy, Credit & Housing Counseling Agency

Company Profile

Our Services

Personal Finance Education

Housing Counseling

Bankruptcy Counseling

Divorce Counseling

Financial Education

Frequently Asked Questions

Credit Card Management Services, Inc is a non-profit agency dedicated to our mission of providing compassionate and professional, financial counseling and education in an ethical manner with efficient, timely and problem-solving client support.

We offer education and counseling on:

Pre-filing Bankruptcy Counseling*
Pre-Discharge Bankruptcy Education Course*
Credit Report Education (offering a broad view of what you should look out for on your credit report)
Budgeting and Spending Plans
Debt Management Programs
Settlement and Consolidation Programs
HUD Housing Counseling
Reverse (HECM) Mortgage Programs
Divorce and Finances Workshops
Student Loan Counseling
And More Financial Rescue Options

Since being formed in 1996, we have helped guide thousands of people out of financial difficulty. Located on Okeechobee Boulevard in West Palm Beach, we serve clients in almost every state in the union. What makes us different from many other agencies is the team's ability to put the client first whether or not they join one of our programs.

We consistently receive high marks in customer surveys, and our client retention is one of the highest of any agency.

We are also dedicated to making a difference in the lives of our community with numerous neighborhood activities, seminars, scholarships and fund raising efforts. Some of the outreach we've been involved in include:

Free financial open houses
College scholarship programs
Adopt A Street and Adopt A School programs
Financial Rescue Workshops hosted by CCMS Certified Credit Counselors

In a typical counseling session, one of our counselors will review your financial situation and after carefully analyzing this information, will recommend a course of action that will help you meet your financial needs and fulfill your financial obligations. Our goal is to offer consumers the tools to make educated financial decisions and to begin on the path of financial independence.

There are many options for consumers in distress. Depending upon your level of distress and your current credit situation, these options may include: refinancing your home, seeking a consolidation loan, balance transfers, contacting your creditors directly for relief or even bankruptcy.

If you are currently in need of financial guidance, please contact Credit Card Management Services at 1-800-920-2262 or fill out our online application form including a budget worksheet. At no cost or obligation, a certified consumer credit counselor will review your financial information at your convenience and provide you with debt advice and a recommended course of action for your financial problems.

If you are in financial turmoil and are overburdened by your unsecured debt, keep in mind that no action is the worst action. Even if Credit Card Management Services is unable to help you directly, we may be able to point you in the right direction. All correspondence is kept strictly confidential and your creditors will not be contacted unless you decide to enroll on the debt management plan.

CCMS Annual Reports:

2007 Annual Report
2006 Annual Report