Chestnut Credit Counseling Services (CCCS) is a non-profit education and debt management program. We are affiliated with the National Foundation for Credit Counseling (NFCC), who acts as a liaison between the client and the credit granting community. Our focus is to help clients regain financial control by developing a budget and reorganizing their debts.

Chestnut Credit Counseling Services (CCCS) will contact each of the client's creditors. We ask for concessions such as a waiver of late fees and over the 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.

Chestnut Credit Counseling Services is a non-profit service agency consisting of professional credit counselors, dedicated to enable all individuals to reduce budgetary stress and regain financial control. Our objective is to provide consumer education confidential budget counseling and/or debt management programs, regardless of income or amount of debt through personal contact in a timely manner at convenient locations. We do not lend money.