CONSUMER CREDIT COUNSELING SERVICE (CCCS)
OF CENTRAL ALABAMA
1401 20th Street South, Birmingham, AL 35205
Consumer Credit Counseling Service is a program of Gateway – a United Way agency in
operation since 1891. Gateway’s mission is “to preserve, strengthen and enrich family
life through quality services provided to families and individuals in need.” CCCS’ part in
that mission is to help families and individuals in need of financial advice and assistance.
Please note that while CCCS normally charges nominal fees for the services detailed
below, NO ONE is turned away based upon their ability to pay.
BUDGET COUNSELING - $25.00
The Budget Counseling program is designed to take an individual’s financial information
gathered by a certified counselor and make it “work better.” It’s not always easy to make
sense of a series of facts and figures by yourself. Our counselors help by covering all
aspects of your finances in order to formulate a well-thought-out plan. The counselor
will offer suggestions and solutions that allow you to use your money in the best way
possible. We find that many people do a good job of managing their money. However,
the advice we offer can make a difference between doing a good job and a great job.
DEBT MANAGEMENT PLAN SET-UP - $20.00
There are many circumstances in life that can destroy even the best money management
plan. A job loss, unplanned medical bills and high credit card debt are just a few of the
reasons you may find yourself unable to keep up with the bills. The Debt Management
Plan (DMP) is a program in which we review your entire financial situation (income,
expenses and debt). We’ll assist you in determining a solution for paying off your debt.
We can negotiate with your creditors to lower interest, stop late fees, etc. and begin the
recovery process with a monthly payment plan. CCCS’ fee for a DMP is $10-
We encourage people to utilize our Budge