Research

CCCS’s research function provides insight into consumer behavior and leading economic trends affecting our clients. We also do strategic analysis on how our programs are impacting our clients. CCCS serves a very unique sliver of the economic spectrum. See client profile below:

Client profile

The average client in a debt management program is age 45 with income of $40,925 and $22,032 of unsecured debt owed to 6.8 creditors. 54% are homeowners. 65% are female; 13% are divorced. The average household has two to three members. 64% are Caucasian, 26% African American, 6% Hispanic.
Clients served, by service (2008)

Activity in year 2007:
Budget Counseling: CCCS Atlanta/CredAbility provided more than 61,000 free, confidential budget and debt counseling sessions.

Debt Management: 16,300 consumers paid nearly $100 million to their creditors through CCCS debt management plans.

Education: We provided money-management education for 32,681 people in classroom settings and through interactive online courses.

Housing Counseling: 29,225 clients received help on housing issues.

Bankruptcy Counseling & Education: We conducted 165,210 bankruptcy counseling sessions online, on the telephone and in person in branch offices throughout North Georgia, South Florida, East Tennessee and Central Mississippi. We also provided pre-discharge education to 88,257 consumers.

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