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Provides counseling services to help clients with budgeting, saving and credit in which counselors provide individuals assistance with managing their money, examining current financial problems and financial education to prevent future difficulties. Many of the programs are available online. Offers low-cost credit reports. Also provides a Debt Management Plan program in which a client is assigned a personal counselor who acts as mediator between the client and the client's creditors to arrange manageable monthly payments, reduce interest rates and cause cessation of collection calls, with one monthly payment made to CCCS.