Debt Management Program in Northeastern Iowa | CCCS of Northeastern Iowa
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Are you struggling with unmanageable debt?

  • Out of money before the end of the month, every month?
  • Loading up credit cards just to make ends meet? ​
  • Tired of dealing with the constant collection calls?​

       We can help you get past all this and become debt free!

Our Counselor Explains The Benefits of a Debt Management Plan​

She explains the process, how we work with you and your creditors  to manage the repayment of your debt and build a budget that works for  you. From our debt management plans, you’ll get:​

  • One monthly payment​
  • Lower interest rates​
  • No more debt collector calls to your home​
  • Improved credit score over time​

Why Choose Our Debt Management Plan?​

We will take all of your debts and combine them into one affordable monthly payment. After evaluation of your personal financial  situation, we provide you with practical budget counseling services and work with you and your creditors to build a budget you can  live with. Our debt management plans do not include a debt consolidation loan and unlike debt settlement services, we do not  require an up-front fee.​

Non profit organization, helping thousands restore their financial health​

No large upfront fees, like debt settlement companies ask for, to help you.

You meet with ​certified counselors ​in-person or by phone​

You now only make one (1) payment to CCCS and we pay all your creditors

Success Stories

       Our #1 source of referrals.

Frequently Asked Questions

A settlement is when you arrange to pay less than the full balance of your debt that is due. When this occurs, the creditor will report that you settled on the debt and this will be reflected on your credit report for seven to ten years. Also, when you settle debt, there may be possible tax ramifications. With a Debt Management Program, the overall balance is not reduced (just the minimum payment due and interest rate), there are no tax implications and the creditors will not report that the debt was settled.

We assist our clients with reducing the interest rates to help make their payments more affordable and to pay off the debt in a more timely manner. However, we do not reduce the overall balance as this would be a considered a debt settlement.

When you are initially enrolled into the program, the creditors can close the accounts. This can cause a slight decline. However, as you make consistent on time Debt Management Plan payments, each creditor on the plan will update the credit report each month. This can cause a positive effect over the course of the program as you pay down the debt.

This is a great question! The debt management program is a structured plan designed to help pay off your debt in an efficient and timely manner. Many of our clients are struggling to make minimum monthly payments which can cause them to fall behind and to receive late fees which add to balances and can negate the payments you are making. Once your Debt Management Plan has been established, you begin making consistent on time payments to your creditors therefore helping to improve your credit score. Experian says: “The impact on your scores may be minimal, depending on how the payments are managed and if you have other positive accounts. The most important thing is that you must make sure that the company will immediately take over the payments so that you never miss a payment in the transition to their service. As long as all your payments are made on time, it won’t matter who paid them and there is no scoring issue from that aspect.” Typically, our clients notice improvement in their score within the first year they are on the program and by the time they make that last payment, they experience relief and pride in seeing what they’ve accomplished to help improve their credit and ultimately their future.

You should/will continue receiving monthly statements from your creditors. If you are not receiving statements from your creditors, you should contact them to ensure they have your most recent contact information. These statements provide you with valuable information regarding your account with them. Key information located on your statement that should be monitored monthly:


  • Balance

  • Interest Rate

  • Payment activity

  • Interest charges

  • Additional activity such as credits or other balance adjustments


It’s important to monitor your monthly statements to ensure that you’re being charged the correct interest rate, your balance is decreasing with payment activity and that there is no unusual activity or additional fees being applied to your account. If you have any questions about your statement or notice incorrect information, please contact our Client Support Department for additional assistance. The statement will provide us with important information so please have it available at the time of your call. If necessary, we will contact your creditor to resolve the issue. CCCS of Northeastern Iowa will also send you a statement on a monthly basis. Our statements provide estimated account balances, anticipated interest rates of each account as well as payment activity for your Debt Management Plan. In addition to reviewing your creditor statements for accuracy, we request that you compare our statement to that of your creditor and notify us of any discrepancies. Our staff members work in partnership with you to ensure your account information is accurate and that your Debt Management Plan is successful.

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