Consumer Credit Counseling Foundation Reviews

The overall sentiment for Consumer Credit Counseling Foundation’s credit counseling service is mixed, with both strong positive and negative experiences reported. Reviewers consistently note the company’s speed in reaching out to creditors, with some customers mentioning reduced interest rates and manageable payment plans. However, several reviews describe broken promises regarding debt reduction and dissatisfaction with the communication process, especially around account closures or cancellations.

Common feedback includes appreciation for staff members who are described as helpful and patient, as well as for clear payment plans that reportedly alleviate financial stress. At the same time, multiple customers express concerns over administrative mistakes, unexpected account actions, and challenges in canceling services, with some calling the organization untrustworthy or labeling it a scam. Issues around transparency of fees and ongoing account maintenance are other recurring themes.

Overall, Consumer Credit Counseling Foundation has earned repeat praise for friendly staff and some debt relief results but is also regarded as risky by a significant portion of its client base due to operational missteps and perceived lack of integrity. Prospective customers in the United States should carefully review contract details and monitor their accounts closely when dealing with this service.

Consumer Credit Counseling Foundation provides credit counseling services for individuals carrying high-interest credit card debt. The company focuses on negotiating with creditors on behalf of its clients in order to establish debt management plans designed to reduce interest rates and monthly payments. Services are delivered primarily in-person and over the phone.

The organization's process involves initial consultation, contacting creditors for negotiations, and implementation of a structured payment plan. Once agreements are in place, accounts are typically closed, and clients make monthly payments through the company, which distributes funds to creditors. Contractual terms and fees are defined during enrollment, and clients are encouraged to monitor their credit throughout the program.