Let Us Guide You on the Path toward a Brighter Financial Future

Finding your way on the road to financial wellness can seem overwhelming. To solve financial challenges and reach your goals, you need a trusted partner who genuinely cares about you and your future. Our NFCC and HUD certified counselors, who we call Financial Advocates, are ready to help you build a realistic budget, understand and improve your credit, become debt free and reach your long-term goals such as homeownership.

CCCSMD is Respected, Reputable, and Reliable

Since 1966, CCCSMD has guided thousands of people just like you on the journey to financial freedom.

Our Mission

The Mission of CCCSMD is to improve the financial lives of the individuals and communities we serve.

And, as a nonprofit agency, we put people over profits. Our funding comes from community and civic organizations, creditors, and businesses. We do not lend money or settle debts, and we are not a collection agency. Services are available nationwide online and by telephone. In-person counseling is available at our branch locations in Maryland, Virginia, Florida and California.

“CCCSMD’s core values are so evident. They are respectful, and certainly demonstrated integrity in what they did and how the interacted with me. They are so dedicated to making my program work.”

– CCCSMD Client

“High Touch, High Trust” Defines Our Client Relationships

We know our business inside and out. Our expert Financial Advocates give you the knowledge, tools, advice, and support you need to be financially independent—now and in the future. We work with you in person, on the phone, online, and at community education events to show you how to take charge of your finances.

CCCSMD accommodates individuals with vision, hearing, or speech disabilities, by providing basis translators, sign language services, or other communication methods for deaf or hearing impaired individuals, or those who are blind or have low vision.

As of 2021, 99% of our clients are satisfied with our services. Learn more about our services and the clients we served in our 2021 Annual Impact Report.

As of October 31, 2023, CCCSMD has merged with Money Management International (MMI).