A Debt Management Plan (DMP) may help many people who are experiencing difficulty making payments to creditors. A DMP allows you to make a single monthly deposit to CCCS, based on a renegotiated payment plan, which in turn is paid directly to your creditors by CCCS. To find out if a DMP is right for you, contact CCCS for an appointment with a certified counselor. You may contact us right here on our website. During the appointment, your counselor will review your budget (income, living expenses, and credit obligations) and may recommend a debt repayment plan.