Consumer Credit Counseling Services of the Savannah Area, Inc.

Consumer Credit Counseling Servicescccssavannah.org

CCCS of Savannah is a 501(c)(3) non-profit credit counseling agency serving individuals and families across Southeast Georgia and Beaufort County, South Carolina through debt management programs, credit and housing counseling, and financial education from four locations.

Company typePrivate
Founded1964
HeadquartersSavannah, United States
Headcount11–50
GTM typeB2C
OfferingServices

What Consumer Credit Counseling Services of the Savannah Area, Inc. does

Consumer Credit Counseling Services of the Savannah Area, Inc. (CCCS of Savannah) is a 501(c)(3) non-profit credit counseling agency founded in 1964 and headquartered in Savannah, Georgia. The organization operates four physical locations across Southeast Georgia (Savannah, Statesboro, Hinesville) and Beaufort County, South Carolina, and positions itself as the only locally-based non-profit credit counseling agency in the Savannah area. Over its 60-year operating history, it states it has helped hundreds of thousands of clients with debt management, credit counseling, housing counseling, and bankruptcy counseling services.

The core service offering is a Debt Management Program (DMP) that coordinates creditor negotiations to lower interest rates (cited as low as 5.9%) and consolidates credit card payments into a single monthly disbursement. Adjacent services include credit and budget counseling, HUD-approved housing counseling (foreclosure prevention, reverse mortgage guidance, first-time home buyer programs), pre- and post-filing bankruptcy counseling, and student loan counseling. Supporting tools include the 'My Virtual Counselor' online DMP savings calculator, a third-party-hosted client extranet portal (clientsupportsoftware.com), 14+ financial calculators, and community workshops. No proprietary technology stack or AI/ML capabilities are disclosed; the platform is a conventional consumer web and CRM tooling layer.

The business model is direct-to-consumer, combining fee-based DMP enrollment (monthly subscription-like structure with quote-based pricing), professional counseling fees, and grant-funded community programs. GTM relies on free initial consultations, phone-based and in-person counseling, online appointment booking, community workshops, and word-of-mouth referrals (stated as the #1 source of new clients). The organization is HUD-approved, NFCC-member, BBB-accredited, and COA-accredited, and operates as an independent entity with no parent company, no venture backing, and no disclosed M&A activity.

Consumer Credit Counseling Services of the Savannah Area, Inc. firmographics

Firmographics

Name: Consumer Credit Counseling Services of the Savannah Area, Inc.
Legal name: Consumer Credit Counseling Service of Savannah, Inc.
Website: https://cccssavannah.org
Company type: Private
Founded year: 1964
Operating status: Operating
Headcount range: 11–50 employees
Short description: CCCS of Savannah is a 501(c)(3) non-profit credit counseling agency serving individuals and families across Southeast Georgia and Beaufort County, South Carolina through debt management programs, credit and housing counseling, and financial education from four locations.
Ownership category
akta.pro rank

Consumer Credit Counseling Services of the Savannah Area, Inc. industry classification

Industry

Product category: Consumer Credit Counseling Services
SIC: Services-Consumer Credit Reporting, Collection Agencies (7320)
akta.pro primary industry: Consumer Credit Counseling & Budgeting (FSAEAFAA)

Keywords

Credit counseling services
Debt management programs
Housing counseling
Bankruptcy counseling
Financial education

Where Consumer Credit Counseling Services of the Savannah Area, Inc. is headquartered

Location

Headquarters

HQ city: Savannah
HQ country: United States
HQ region: North America

Offices4 records

Markets served

Consumer Credit Counseling Services of the Savannah Area, Inc. business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

Debt Management Program Fees: Fees collected from clients enrolled in debt management plans. Counselors coordinate creditor payments and negotiate reduced interest rates on behalf of clients.
Counseling Services: Fees for credit counseling, budget counseling, housing counseling, bankruptcy counseling, and student loan counseling sessions.
Grant-Funded Programs: Funding from grants for community education programs, housing counseling, and financial literacy initiatives. Mentioned under 'Grant Funded Programs' education section.

Pricing tiers

Model	Billing	Price
Freemium	Monthly	Free Initial Consultation
Subscription	Monthly	Debt Management Program

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Consumer Credit Counseling Services of the Savannah Area, Inc. product offering

Product offering

Core offering

CCCS of Savannah is a non-profit credit counseling agency that provides Debt Management Programs (negotiating reduced interest rates with creditors and consolidating payments into a single monthly payment), credit and budget counseling, HUD-approved housing counseling, bankruptcy pre/post-filing counseling, and student loan counseling. Ancillary offerings include the My Virtual Counselor online savings calculator, community workshops, financial education resources, and grant-funded programs.

Product overview

CCCS of Savannah operates as a nonprofit credit counseling organization offering a portfolio of interconnected financial counseling services. The core offerings include Debt Management Programs (which coordinate creditor negotiations and consolidated payments), Credit and Budget Counseling, Housing Counseling, Bankruptcy Counseling, Student Loan Counseling, and My Virtual Counselor (a self-service savings calculator). Supporting these are educational resources including Financial Education, Grant Funded Programs, Community Workshops and Classes, and a suite of Financial Calculators. The organization serves clients across multiple Georgia and South Carolina locations, positioning itself as a locally-based alternative to national for-profit counseling services.

Differentiator

Problem solved

Functional benefit

Brands

My Virtual Counselor: An online tool that allows users to calculate potential savings on a Debt Management Plan before meeting with a counselor.

Products and services

Debt Management Program A coordinated program that negotiates with creditors to lower interest rates (as low as 5.9%) and establishes a consolidated monthly payment plan to help clients pay off credit card debt and become debt-free. Intended for individuals and families struggling with unmanageable credit card debt.
Credit and Budget Counseling Individualized counseling providing tools, resources, and assistance to assess budgets, discuss revisions, and create action plans to help clients take control of their personal finances.
Housing Counseling Certified housing counselors provide services including foreclosure avoidance, reverse mortgage guidance, equity leveraging, and connection to first-time home buyer programs. Delivered under HUD-approved housing counseling agency designation.
Bankruptcy Counseling Pre-filing and post-filing bankruptcy counseling services to help individuals understand and navigate the bankruptcy process, including required education for those filing personal bankruptcy.
Student Loan Counseling Specialized counseling services to help clients manage and understand their student loan obligations and repayment options, including deferment/forbearance and income-driven repayment programs.
My Virtual Counselor An online self-service tool that allows prospective clients to calculate potential savings on a Debt Management Plan before meeting with a counselor, helping estimate interest reductions and payoff timelines.

Quantifiable outcome

Interest rates reduced to as low as 5.9% on credit card accounts
+3 more outcomes

Companies that use Consumer Credit Counseling Services of the Savannah Area, Inc.

Customer profile

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Consumer Credit Counseling Services of the Savannah Area, Inc. technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Consumer Credit Counseling Services of the Savannah Area, Inc. partnerships and signals

Strategic signal

Partnerships

Four partnerships are on record, tiered core and minor.

National Foundation for Credit Counseling (NFCC)coreStrategic or Co-development PartnerMember organization providing accreditation and standards for credit counseling agencies. CCCS of Savannah operates under NFCC guidelines and participates in NFCC member network.
U.S. Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerHUD-approved housing counseling agency designation allowing CCCS to provide certified housing counseling including foreclosure prevention, reverse mortgage counseling, and first-time home buyer programs.
Better Business Bureau (BBB)minorOthersBBB Business Review verification and accreditation of the organization's business practices.
Council on Accreditation (COA)minorOthersProfessional accreditation for counseling and human service organizations.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Consumer Credit Counseling Services of the Savannah Area, Inc. competitors and assessment

Company assessment

Direct peers

Apprisen: Non-profit credit counseling agency providing debt management, housing counseling, and bankruptcy counseling services. Direct peer that has consolidated into Money Management International, reflecting the same non-profit credit counseling space as CCCS of Savannah.
Money Management International: One of the largest non-profit credit counseling agencies in the US, providing debt management, housing counseling, bankruptcy counseling, and financial education. Direct peer operating at significantly greater scale but with the same core service portfolio and non-profit mission as CCCS of Savannah.
GreenPath Financial Wellness: Non-profit credit counseling agency offering debt management programs, housing counseling, and financial education across multiple US states. Direct peer to CCCS of Savannah with similar service mix, non-profit 501(c)(3) structure, and HUD-approved housing counseling status.
Take Charge America: Non-profit credit counseling agency offering debt management, housing counseling, bankruptcy counseling, and student loan counseling. Direct peer with a comparable comprehensive service portfolio and HUD-approved housing counseling credentials.
Clearpoint Credit Counseling Solutions: Non-profit credit counseling agency offering debt management, housing counseling, student loan counseling, and bankruptcy counseling with online tools. Direct peer with similar service offerings and growing digital presence comparable to CCCS of Savannah's My Virtual Counselor.
American Consumer Credit Counseling: Non-profit credit counseling agency providing debt management plans, housing counseling, bankruptcy counseling, and financial education since 1991. Direct peer with a similar full-service credit counseling approach and accredited counselor model.
Consolidated Credit: Non-profit credit counseling agency providing debt management plans, credit counseling, and financial education with a strong digital marketing presence. Direct peer with similar core service offerings and similar DMP + counseling revenue model.
InCharge Debt Solutions: Non-profit credit counseling agency offering debt management, housing counseling, and bankruptcy counseling with explicit military-focused programs. Direct peer; the military client focus overlaps with CCCS of Savannah's documented military family case studies.
Cambridge Credit Counseling: Non-profit credit counseling agency offering debt management, housing counseling, and bankruptcy counseling. Direct peer with similar service offerings and the same accredited-counselor delivery model used by CCCS of Savannah.

Others

National Foundation for Credit Counseling: Industry trade association for non-profit credit counseling agencies in the US, of which CCCS of Savannah is a member. Not a direct competitor but an ecosystem participant that sets industry standards, provides accreditation pathways, and recognizes leadership awards — including the NFCC Member of Distinction Award given to CCCS of Savannah's CEO.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Consumer Credit Counseling Services of the Savannah Area, Inc. compliance and trust

Trust signal

Compliance5 records

Consumer Credit Counseling Services of the Savannah Area, Inc. financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Consumer Credit Counseling Services of the Savannah Area, Inc. leadership team

Management profile

Number of profiles

Profiles1 record

Consumer Credit Counseling Services of the Savannah Area, Inc. funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

Consumer Credit Counseling Services of the Savannah Area, Inc. M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about Consumer Credit Counseling Services of the Savannah Area, Inc.

What does Consumer Credit Counseling Services of the Savannah Area, Inc. do?

Is Consumer Credit Counseling Services of the Savannah Area, Inc. a public or private company?

Consumer Credit Counseling Services of the Savannah Area, Inc. is a private company. It is classified as nonprofit foundation owned and is currently operating.

When was Consumer Credit Counseling Services of the Savannah Area, Inc. founded?

Consumer Credit Counseling Services of the Savannah Area, Inc. was founded in 1964. It employs 11 to 50 people.

Where is Consumer Credit Counseling Services of the Savannah Area, Inc. based?

Consumer Credit Counseling Services of the Savannah Area, Inc. is headquartered in Savannah, United States, in the North America region.

How does Consumer Credit Counseling Services of the Savannah Area, Inc. make money?

Three revenue lines are on record. Debt Management Program Fees are the primary driver. The others are counseling Services and grant-Funded Programs.

Who are Consumer Credit Counseling Services of the Savannah Area, Inc.'s main competitors?

Direct peers on record are Apprisen, Money Management International, GreenPath Financial Wellness, Take Charge America, Clearpoint Credit Counseling Solutions, American Consumer Credit Counseling, Consolidated Credit, InCharge Debt Solutions and Cambridge Credit Counseling. National Foundation for Credit Counseling is listed as an others.

Does Consumer Credit Counseling Services of the Savannah Area, Inc. have an API?

No public API is recorded for Consumer Credit Counseling Services of the Savannah Area, Inc..

What industry is Consumer Credit Counseling Services of the Savannah Area, Inc. in?

Consumer Credit Counseling Services of the Savannah Area, Inc.'s product category is Consumer Credit Counseling Services. Its primary akta.pro industry code is FSAEAFAA, Consumer Credit Counseling & Budgeting. Its SIC code is 7320.