Consumer Credit Counseling Service of San Francisco

AMAZING program!!! I went to CCCSSF in 2010 with almost 20K in debt and will be debt free in April. I paid 400 $ a month for almost 5 years and they lowered all my APR. I would not have been able to lower my debt let alone get rid of it altogether without them. They were great when I went in for my free consultation 5 years ago and have been very professional any time I had questions or concerns since then. My credit score dropped a little but went up as the years went by. I HIGHLY recommend this program to anyone facing money troubles.

I went through the CCCSF program for 4 years. Ithey helped me go from 13,000 worth of credit card debt to $ 0. My payment was $ 400/​month, but as the credit cards were paid off, the money I paid went towards getting other cards paid off.
I have only great, awesome, positive things to say about this company! With their calculations, it would have taken me 9 years to get the debt paid off!
I loved how I was able to go online and see exactly how much was paid to each credit card every month, and how much I still owed. I highly recommend this company!

Free and informative! What more can you ask for? I scheduled a one-​on-​one counseling session as a potential first time home-​buyer. I came in with almost zero research, but Nikita thoroughly covered EVERYTHING with me. He even introduced me to a discounted condo program and a grant I may qualify for. Excited to get my homeowner education certificate and get this home-​buying thing going!

A little gem I refuse to share but it offers informative free classes on homeownership in SF.

These guys are fantastic, and they’re free. What a wonderful service. I’ve always hated checking my finances, because they depress me. I’ve got a lot of debt and don’t make a lot of money, but one visit to this place and I left feeling confidant about my future. Seriously, I put this off forever, and now I regret not going sooner.
They are non-​profit, so they have no interest in screwing you or promoting some shady deal. They are very honest about their experiences in negotiating with creditors, and by the time you leave, you have a very clear (tangible and digital) plan on how to address whatever financial issue it is that you may be experiencing.
Not having money sucks, and I dreaded going here, but suck it up and go in. You won’t regret it. And yes, I know I already said it, it’s free! Awesome. Special thanks to Marie and Monique.

These guys are AMAZING! They are so helpful that the word helpful is an understatement. It’s kind of weird to be so enthusiastic considering my options for getting rid of my debt has left me with filing for the «B» word, BUT I’m so relieved with the advice, resources and help that this place gave me. I think it’s imparative a company like this be genuine about their desire to help you with your finances without trying to drain you for every penny you have left… I mean… debtors are BROKE… that’s why they’re in debt! duhhh…
so the fact that these guys actually give a you know what about helping you through a tough time is rare to see these days. I would HIGHLY recommend this place to anyone seeking information and help to get their debt in control and see what options are available to them.

So, I just finished paying off all of my debt! I’m debt-​free for the first time in almost 25 years! I couldn’t have done it without the amazing services of CCCSSF. I’m eternally grateful.

No fun and games here, this review is serious business: I feel extremely dedicated to spreading the gospel of CCCSSF to the poor, indebted masses.
As opposed to those potentially bogus or money-​mongering «debt consolidation» commercials all over late-​night TV, this is a legit service aimed at eliminating debt through incremental payments over a predetermined period of time. They’ll analyze your income, expenses, and debt to create a tailored Debt Management Program that combines everything into one payment per month on the schedule of your choice. You can set the payments to be deducted via direct deposit from your checking account, to make it even more painless.
They take a small cut to support their service, but it is minimal and absolutely worth it when weighed against what you would be paying creditors otherwise. They make a contract with the creditors for you, which in my case meant reducing my interest rates from 22−28% to only 7−10%, saving me thousands of dollars in interest over time. I just completed the first year of my DMP and it has been a thrill to watch my balances go down over time and to not have to worry about a thing other than just making the single payment every month. Also, you’re assigned a counselor that you can contact as needed with any concerns, and can update your information and account on their web site.
Seriously, highly recommended.

Credit Counseling Service of San Francisco is a non-​profit agency that helps consumers get out of credit card debt. I think they mostly provide credit consolidation, they help you negotiate lower interest rates with the credit card companies and helps you make a payment plan.
I have only been there once but it was a very good experience. I just drop in to get counseling on our credit card debt, they were really polite and friendly (except for the receptionist) and the counselor I worked with was very knowledgeable, friendly and easy to talk to.