In today’s post, I want to introduce you to Christian Credit Counselors, a nonprofit organization dedicated to helping individuals and families achieve financial freedom through faith-based credit counseling and debt management services. As a previous volunteer budget coach with Crown Financial Ministries, I’ve referred people to them in the past and received positive feedback about their services.​
Who They Are
Established in 1990, Christian Credit Counselors (CCC) is a 501(c)(3) nonprofit credit counseling agency that has assisted over 900,000 Americans in overcoming debt and embracing financial freedom. Based in San Diego, California, CCC is licensed and bonded in 36 states across the nation. Their mission is to empower individuals to transition from survival mode to a life of financial stability, aligning with the belief that financial freedom enables people to fulfill their God-given potential. ​
What They Do
CCC specializes in unsecured debt consolidation, working with over 400 creditors to negotiate debt management programs tailored to individual needs. Their certified credit counselors are available nationwide from 6 a.m. to 4:30 p.m. (PST), Monday through Friday, providing unbiased guidance, prayer, and resources to those seeking assistance. Importantly, CCC adheres to the highest industry standards in customer satisfaction and security, undergoing annual audits by an independent accounting firm to ensure client security and program success.
Their Process
CCC’s approach to debt management involves a three-step process:​
-
Free Consultation: Engage in a confidential, no-obligation conversation with a certified credit counselor to assess your financial situation and explore potential savings and debt elimination strategies.​
-
Budget Creation: Collaborate with your counselor to develop a realistic household budget, gaining insights into how much you can save through the program.​
-
Debt Management Plan (DMP): The team works to lower your monthly payments by reducing interest rates—sometimes by up to 75%—and consolidating your debt into a single, manageable monthly payment. Throughout this journey, your counselor provides ongoing support to guide you toward financial freedom. ​
Partnerships and Endorsements
CCC has established partnerships with reputable organizations like Crown Financial Ministries and FaithFi, reflecting their commitment to integrating faith-based principles into financial counseling. These collaborations enhance their ability to provide comprehensive support to clients seeking debt relief aligned with their Christian values.​
Client Experiences
Clients have shared positive experiences with CCC. For instance, one client noted saving about $1,100 per month in payments after enrolling, emphasizing the organization’s helpful and thoughtful approach. Another review highlighted the professionalism and patience of CCC’s counselors in guiding clients toward financial stability. ​Check out more reviews here.
Conclusion
Christian Credit Counselors offers a faith-based, structured approach to debt management, emphasizing education, personalized support, and ethical practices. If you’re grappling with unsecured debt and seeking a solution that aligns with Christian principles, CCC could be a valuable resource on your journey to financial freedom.