CCMS helps people like you worry less & Get on track by providing

Credit Card Bill Consolidation

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CCMS is a Non-Profit Organization with a focus on helping our clients pay off credit cards the right way.

  • Are you struggling to pay off credit card bills?
  • Do you know of the Credit Card Act of 2009 and how it affects you?
  • Are you having difficulties trying to pay your bills on time and getting your credit back on track?
CCMS is here to help

Let’s Get Started

Call: 800-920-2262 or Contact us below

CCMS is a fully accredited nonprofit management program. We are a 501c3 non-profit organization that has been providing credit card consolidation assistance to people like you since 1996.

Our goal is your goal: to help you reduce and eventually pay off your credit card bills without adding to your monthly financial burden. Through our experienced credit card management specialists and relationships with the credit card companies, we are approved nationally with your creditors to reduce or eliminate your interest and any penalties. We simplify your payments by consolidating your credit card bills and then, by paying the same or a bit less each month, we accelerate your credit card bill reduction since more of your money goes to paying off the principle.

Note: if you need to take the credit counseling for bankruptcy course please do so by clicking here.

How it works

  • An experienced nonprofit management counselor will assist you to determine your monthly budget.
  • Since Your credit card interest is either eliminated or reduced, more of your payment is applied towards principle rather than interest to accelerate your credit card bill reduction!
  • CCMS qualifies you for lower monthly payments and interest rates with your creditors.
  • Get credit card bill payment relief now – Average monthly payments drop from $627 to $393.
  • You then make lower monthly payments on time.
  • Simplify your life – Your credit card bills are consolidated into one simple and easy monthly payment.
  • You’ll get a monthly statement showing how much money you’re saving and how fast your credit card bills are disappearing.


Robbie B.

Dear CCMS, I have been extremely pleased with the service and commitment provided to me by your company. Every customer service rep I have spoken with has been both professional and dedicated to “getting the problem solved” quickly and completely! Thank you! Robbie B. West Palm Beach, FL

Phyllis H.

I want to thank your staff for taking care of me and my business. I really feel a relief and thank for looking out for me and also for taking everything in for me. You guys are NO. 1 in my book! Phyllis H. Jackson, MS


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