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Best Tennessee Business Debt Counselors

Navigating the complexities of business debt can be daunting, especially for small and medium-sized enterprises. Tennessee offers a variety of business debt counselors equipped to assist you in managing and alleviating your financial burdens. Below, we delve into some of the best business debt counselors in Tennessee, highlighting their services, contact information, and customer reviews to help you make an informed decision.

What to Look for in a Business Debt Counselor

Understanding Services and Programs

When selecting a business debt counselor, it’s crucial to understand the range of services and programs they offer. Look for agencies that provide comprehensive debt management plans, credit counseling, and budgeting assistance. For instance, the Consumer Credit Counseling Service (CCCS) of Chattanooga offers debt management programs that help consolidate debts and lower interest rates, making it easier for businesses to manage monthly payments and become debt-free more quickly​​​​.

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Certifications and Accreditations

Credentials are a testament to the legitimacy and reliability of a debt counseling service. Ensure that the counselor is accredited by reputable organizations such as the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA). For example, CCCS of Chattanooga is accredited by the Better Business Bureau (BBB) and has been providing debt counseling services for over 40 years, which speaks volumes about their credibility and expertise​​.

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Customer Reviews and Testimonials

Customer reviews provide insight into the effectiveness and customer service quality of a debt counseling agency. Positive testimonials from previous clients can reassure you of the counselor’s ability to deliver results. CCCS of Chattanooga, for example, has received numerous positive reviews from clients who have successfully managed their debt and improved their financial situations through their programs​​.

Consumer Credit Counseling Service (CCCS) of Chattanooga

Services Offered

CCCS of Chattanooga provides a variety of services, including:

  • Debt Management Programs: Consolidate debts into one manageable payment and reduce interest rates.
  • Credit and Budget Counseling: Help with budgeting and financial planning.
  • Housing Counseling: Assistance with foreclosure prevention and first-time homebuyer programs.

Contact Information

  • Address: 5600 Brainerd Rd Ste C26, Chattanooga, TN 37411-5348
  • Phone: (423) 490-5620
  • Website: CCCS of Chattanooga


Clients have praised CCCS of Chattanooga for their professional and supportive approach. One client noted, “CCCS of Chattanooga helped me create a plan that would allow me to pay off creditors under terms that were manageable, and this gave me some much-needed peace of mind”​​.

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Consumer Credit Counseling Foundation (CCCF)

Services Offered

The CCCF offers:

  • Credit Counseling: Professional advice on managing credit and reducing debt.
  • Debt Management Plans: Structured repayment plans to lower interest rates and consolidate payments.
  • Budgeting Assistance: Help in creating and sticking to a budget to improve financial health.

Contact Information

  • Phone: 800-359-1561 (New Inquiry), 800-656-6207 (Customer Care)
  • Website: CCCF


CCCF is known for its personalized and effective approach. They offer free budget counseling sessions and have helped many clients reduce their debt significantly. One example shared on their site highlighted a client’s journey from struggling with $12,000 in debt to achieving financial stability through their debt management plan​​.

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What Credentials to Look for

Accreditation by National Organizations

Accreditations from national organizations such as the NFCC or the FCAA are crucial. These accreditations ensure that the counseling service adheres to strict ethical and professional standards. For instance, both CCCS of Chattanooga and CCCF are recognized for their adherence to these standards, providing clients with reliable and trustworthy services​​​​.

Years in Service and Community Reputation

The longevity of a counseling service can indicate its reliability and effectiveness. Agencies that have been in service for several decades typically have a proven track record. CCCS of Chattanooga has been in business for over 40 years, which underscores their extensive experience and commitment to helping clients manage their debt​​.

Professional Staff

Ensure that the counseling service employs certified credit counselors who are knowledgeable and experienced. This can significantly impact the quality of advice and support you receive. Both CCCS of Chattanooga and CCCF boast teams of certified professionals dedicated to assisting clients with their financial needs​​​​.

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Detailed Comparison Table

To provide a clear comparison of the services and credentials of these top debt counseling agencies, the table below outlines key information for each.

Counseling Service Services Offered Contact Information Accreditations Years in Service
CCCS of Chattanooga Debt Management, Credit Counseling, Housing Counseling 5600 Brainerd Rd Ste C26, Chattanooga, TN 37411-5348 <br> (423) 490-5620 <br> Website BBB Accredited 42 years
CCCF Credit Counseling, Debt Management, Budgeting Assistance 800-359-1561 (New Inquiry) <br> 800-656-6207 (Customer Care) <br> Website BBB Accredited Over 20 years


Choosing the right business debt counselor in Tennessee involves careful consideration of the services offered, the credentials and accreditations of the counseling service, and reviews from previous clients. The CCCS of Chattanooga and CCCF are excellent choices, each providing comprehensive services and having a strong reputation for helping businesses regain financial stability. By leveraging their expertise, you can take significant steps towards managing your debt effectively and achieving long-term financial health.

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For more information, visit the CCCS of Chattanooga and CCCF websites, or contact them directly to discuss your specific needs and start your journey towards financial freedom.

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