CCCS will contact each of the client's creditors. We ask for concessions, such as a waiver of late fees and over-limit fees. Many creditors also reduce interest rates. These concessions allow the client to make significant progress when repaying outstanding credit card debts. A client makes a monthly payment to CCCS. CCCS makes a disbursement to each creditor on a designated day each month. Clients always continue to receive monthly statements from the credit card companies. This allows each client to monitor monthly progress and notify CCCS when fees are assessed.