Debt Management Credit Counseling

What Debt Management Credit Counseling does

Debt Management Credit Counseling Corp. (DMCC) is a Florida-domiciled 501(c)(3) public charity, recognized by the IRS since September 1999, that operates commercially as DMCC Processing Services. The company provides B2B software infrastructure to credit counseling agencies in the United States through sub-licenses of a secure web-based platform, with its primary customers being credit counseling agencies that need to route debt management plan (DMP) proposals and creditor disbursements. A secondary consumer-facing layer delivers free financial education materials through dmccuniversity.org.

DMCC's core product is the DMCC Software Platform, which accepts DMP proposal and disbursement files uploaded by agency personnel in any format, converts them, and submits them electronically to MasterCard RPPS under DMCC's master credit counseling software license with MasterCard International. Return files from MasterCard are available to the agency for viewing or download the following business day in the same format uploaded. A complementary Check Printing module generates manual checks for creditors that do not accept RPPS payments, with checks drafted directly from each agency's bank account. The platform performs file processing only—DMCC explicitly does not hold client escrow funds; agencies wire disbursement funds directly to MasterCard, retaining full control of client trust accounts throughout the process.

DMCC monetizes the platform through two streams: sub-licensing fees (recurring) and usage-based program fees based on transaction records processed through the platform. Pricing is not publicly disclosed and is quoted on a custom basis under multi-year contracts. The go-to-market is sales-led, leveraging the dmccservices.org corporate website, a toll-free number (888-777-2306), email ([email protected]), and a General Manager-led application/intake flow managed by Dan Lichtenberger. The company is operationally small, anchored in Lighthouse Point, Florida (headquarters at 3310 N. Federal Highway) with a secondary office in Fort Lauderdale, governed by a board led by President Phil Heinemann. No equity funding, M&A activity, or disclosed headcount or revenue figures appear in the available data.

Name

Debt Management Credit Counseling

Legal name

Debt Management Credit Counseling Corp.

Website

https://dmccservices.org

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Debt Management Credit Counseling Corp. (DMCC) is a Florida 501(c)(3) nonprofit operating as DMCC Processing Services, providing B2B software to U.S. credit counseling agencies for routing debt management plan proposals and disbursements through MasterCard RPPS under a master licensing arrangement.

Ownership category

akta.pro rank

Product category

Credit Counseling Software

NAICS

Collection Agencies (561440), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Collection Agencies (56144)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Management Plans (DMP) Administration (FSAEAFAB)

akta.pro secondary industries

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Lockbox, Check Scanning & Paper Bill Processing (FSAMAJAK)

Keywords

• Credit counseling software
• Debt management processing
• Payment disbursement services
• RPPS integration platform
• Nonprofit financial services

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Software Sub-licensing: DMCC provides program services to credit counseling agencies through sub-licenses for use of their secure software platform. This is the primary revenue stream from agencies utilizing the DMCC processing services.
2. Transaction-based Processing: Program fees are based on the services utilized and the quantity of transaction records processed through the DMCC software platform. This creates a usage-based revenue component tied to transaction volume.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

DMCC Processing Services provides a secure web-based software platform that credit counseling agencies sub-license to submit debt management plan proposals and disbursement files for electronic processing through MasterCard RPPS, with next-business-day return files. An integrated check printing module drafts manual creditor payments directly from agency bank accounts. Program services are limited to file processing and never involve the transfer of client escrow funds to DMCC or any other third party, so agencies retain full control of their clients' trust funds throughout the disbursement process.

Product overview

DMCC Processing Services provides a single unified software platform for the credit counseling industry that processes debt management plan proposals and disbursements. The core DMCC Software Platform connects to MasterCard RPPS for electronic submission of proposals and disbursements, and includes a check printing module for creditors outside the RPPS network. Agencies access the platform via sub-licenses to submit files, receive return data, and manage disbursements—all while maintaining full control of their client escrow funds throughout the process.

Differentiator

Problem solved

Functional benefit

Products and services

• DMCC Software Platform

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• MasterCard International (MasterCard RPPS)coreTechnology or IntegrationDMCC maintains a master credit counseling software license with MasterCard enabling direct routing of remittance and bill presentment data. Through this partnership, agencies can submit debt management plan proposals and disbursements directly to MasterCard RPPS. This is a core component of DMCC's service offering.
• Aliant Payment SystemsminorChannel Partner/ Reseller/ DistributorAliant Payment Systems is currently accepting applications from credit counseling agencies for ACH and credit/debit card processing services. They are referenced on DMCC's resources page as a recommended partner for agencies needing payment processing capabilities. Agencies may contact Eric Brown at 954-492-2530 for more information.

Scale indicators1 record

Recent moves4 records

Expansion highlights2 records

Emerging players

• Take Charge America: Nonprofit credit counseling agency offering DMPs, housing counseling, and financial education. Operates in the same DMP-administration value chain that DMCC's software platform enables, making it a vertical peer.
• GreenPath Financial Wellness: Major US nonprofit credit counseling agency providing DMP, financial counseling, and education — same end market and DMP processing needs as DMCC's agency clients, making it a direct vertical peer even though GreenPath is a consumer-facing agency rather than a software vendor.
• Money Management International (MMI): One of the largest US credit counseling agencies, operating a similar DMP servicing model. MMI is a DMCC customer-type peer: it operates in the same credit counseling vertical and uses RPPS-equivalent processing rails for DMP disbursements.
• InCharge Debt Solutions: National nonprofit credit counseling and DMP provider serving the same US credit counseling industry as DMCC's customer base. Overlap with DMCC in the DMP processing value chain makes it a comparable industry participant.
• Navicore Solutions: Nonprofit credit counseling agency providing DMP and financial education services. Operates in the same US credit counseling industry vertical as DMCC's customers.

Broad incumbents

• FISERV: Major financial services technology provider with bill payment, account processing, and disbursement capabilities. Overlaps with DMCC's remittance/disbursement processing functionality, but as part of a much broader fintech portfolio.
• ACI Worldwide: Large-scale real-time electronic payment processing and software vendor serving financial institutions and billers. Comparable to DMCC in transaction-processing technology category, though ACI is a much broader incumbent across the payment value chain.
• Paymentus: EBPP and bill payment processing platform serving utilities, governments, and financial services. Paymentus operates in the adjacent electronic bill payment/presentment category that overlaps with DMCC's RPPS-based remittance routing.
• Jack Henry & Associates: Core banking and payment processing technology provider for US banks and credit unions. Comparable at the technology-layer (transaction processing, disbursement infrastructure) to DMCC's MasterCard RPPS routing platform, though serving a broader banking rather than credit-counseling vertical.

Others

• National Foundation for Credit Counseling (NFCC): Industry trade association for US credit counseling agencies. NFCC is not a software peer but is the closest ecosystem/regulatory analog governing the same agencies DMCC serves, making it a relevant ecosystem participant.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Debt Management Credit Counseling