Financial Education is at the core of everything we do at CCCS of Savannah. From workshops on Budgeting to our 1st Time Home Buyer program. We are particularly proud of our local, community-based educational programs. Learn more about the financial education programs that have helped thousands reclaim their financial health.
If you knew more, would you do things differently?
- Do others seem more financially disciplined than you?
- Do You feel like you lack the knowledge to do things right?
- Do you need a fresh start but lack the tools & resources?
- Want to make a time commitment to change things?
Financial Education is key, it's empowering & life-changing!
Our Program Director Discusses the Various Types of Financial Education Workshops.
He explains the value of financial education and how it will impact the way you live your life moving forward. Our Financial Education department is keenly aware that most people were never taught this basic knowledge their entire life. He will encourage you to sign up today for a workshop because it is never too late to start and this information will be the catalyst for change. You can :
- Learn how to create a budget you can live with.
- You will learn about credit and how to handle it better.
- You can learn important information when buying a home, and get paid!
- You will learn about valuable resources that are available to you
Can A Financial Education Class Really Help Me?
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, online, or by phone
We provide the education and resources you need to succeed!
Success Stories
Our #1 source of referrals.
Mr. Gardenhire, a U.S. Army Corps of Engineers employeeRichard Reeve taught this class and it was great. I wish some of my college teachers had as much energy and knowledge as he did. He is very informative and entertaining. You need that when teaching.
Frequently Asked Questions
A Debt Management Program is a payment plan between you, CCCS of Savannah, and your unsecured creditors. In this plan, creditors agree to offer special concessions to help you get out of debt. These concessions may include reducing your interest rates and stopping late and over-limit fees. This plan can reduce the months or years of repayment.
Debt settlement programs are typically offered by for-profit companies and some law firms to help consumers who are unable to repay their unsecured debts as originally agreed or through other creditor-approved repayment options, such as hardship programs or debt management plans. In a debt settlement program, you make monthly payments to the settlement provider instead of directly to your creditors. Those funds are held in a dedicated account until enough money has accumulated for the provider to attempt to negotiate a settlement with one or more of your creditors for less than the full amount owed. During this process, your creditors generally are not receiving payments. As a result, collection efforts continue or increase, and creditors may assess additional interest and fees, report missed payments to the credit bureaus, file lawsuits, or pursue other legal remedies. Not all creditors agree to settle debts, and there is no guarantee that a settlement offer will be accepted.
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.
We offer a free 1 hour consultation with one of our credit counselors to determine the best course of action. If we set up a repayment program for the customer (a Debt Management Plan) the cost is $25.00 one-time set up fee, and monthly fee of $40.00 (max). If customer is only paying 1 credit card, or has low balances we can charge a lower monthly fee.
A program could start in a few weeks. It depends on the due dates of the accounts that will be on the plan.
I hope this information is helpful. Please call 912-691-2227 if you have additional questions.
Regards
CCCS of Savannah
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.
Have Questions?
You can call or email us.
Call Our Office
Often times a phone call can answer all your questions at the same time. We are always happy to talk to you.
Call (912) 691-2227
Email Us Directly
Whether you have a question or you want us to call you, send us an email and we will respond promptly.