Affiliates, Sponsors and Memberships.

Credit Card Management Services Dba Debthelper (CCMS) is pleased to be affiliated with and supported by many companies and organizations which help us provide for client needs.

  • CCMS affiliates are partners who provide a Product, Service or Membership necessary to meet the highest standards demanded by our industry and clients or a window to our communities.
  • CCMS Sponsors are those who have provided gifts of monetary donation or in-kind services provided.

Citibank, Wells Fargo, Capital One, Discover, JP Morgan Chase, Bank of America, BB&T, Fannie Mae,  NeighborWorks, National Council on LaRaza , TD Bank, HUD, Home Depot and others have all provided CCMS financially, over the years, assistance with program and program related expenses.

As a member of the Financial Counseling Association of America (FCAA), you can be confident CCMS follows a strict Code of Practice. This partnership requires CCMS to have an annual independent financial audit of all accounting practices, provide certified credit counselors, and pass annual ISO 9001 process audits audited by Bureau Veritas (BVI) as well as many other provisions assuring  clients of our commitment to integrity. ISO certification costs much more than industry imitators and takes more work, preparation and commitment. However, CCMS and the FCAA believes only by facing the toughest standards can the credit counseling industry uphold the full trust and confidence of the public.

Credit Counselors are required to be certified by an independent certifying organization.

CCMS counselors complete one or more of the following certification programs:  Partnership for Financial Edcuation: CDMP Certified Debt Management Professionals;  NCHEC Certification by the National Center for Homeownership Education and Counseling (NCHEC); Reverse mortgage counselors are Exam Qualified by the HUD-HECM Network, and through the United States Department of Housing and Urban Development. To locate HECM staff in their roster go to:

CCMS is an A+ rated member of the Better Business Bureau.  You can click on the BBB logo and go directly to their BBB Reliability page to review CCMS’ rating.

CCMS partners with many industry providers who provide expert levels of personal finance resources such as government, business esand non-profit organizations.

CCMS is a 501c3 non-profit credit and housing counseling agency partnering with support from many nationally respected companies and agencies. CCMS provides safe, decent affordable housing opportunities targeted to those with low to moderate income.

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