About the Center for Consumer Recovery

We are a 501(c)(3) non-profit public charity that focuses on the causes of-and solutions for-delinquent debt in America. To do that, we offer consumers a range of free services:

  • Negotiate with creditors for repayment plans and settlements.
  • Provide resume services, application assistance, and interview rehearsals to find a new job or upgrade an existing job.
  • Identify local public and private social-service agencies to cover short-term needs for housing, medical care, education, and many more services.
  • Provide access to free money-management tools and educational resources.
  • Provide access to low-cost financial services and products.
  • Encourage consumers to vote and engage in civic debate.

Our unique funding model utilizes donations of delinquent debt to CCR (banks, hospitals, and other creditors)


Our Vision

To change millions of families' lives by reducing their delinquent debt to achieve financial and economic stability.

Our Mission

  • To build more stable families through reduction of financial stress:
  • - Stable families experience lower rates of spousal and child abuse.

    - Stable families produce better health and educational outcomes for children.

  • Make healthcare access more convenient and less expensive
  • Provide funding for nursing scholarships and other community investments

Our Principles

  • Provide upward economic mobility:
  • - Raise credit scores and improve debt-to-income ratios.

    - Reduce use of predatory lending.

    - Reduce unemployment by helping clients find new or better jobs.

    - Build/enhance a foundation of financial literacy.

  • Good corporate governance:
  • - We recover a voluntary, modest and affordable amount from those patients/consumers who can afford to pay something - in order to fund CCR operations, nursing scholarships, and community investments

  • We are transparent in all of our activites, adhere to the highest ethical standards, and public disclosure for non-profit public charities.
  • We value our donors. We engage to provide regular and ongoing progress reports on our work with clients, their activities and accomplishments. We maintain consumer privacy and protect private consumer information.
  • We work closely with our donors and protect their reputation

All Services are Free

All of our services are available to you FREE of cost. No fees or charges of any kind.

There is never a cost to you to work with us or our service agencies. To assure the highest level of service for you, we have engaged Merit Consumer Services, a professional consumer support services company, to provide assistance to you. We are responsible for all charges for Merit’s services and there is never a cost to you!