Our Debt Relief Program combines several debts into one small monthly payment, often with more favorable terms for clients who are struggling to resolve debts. There is no loan involved. You still have one monthly payment, but it is to a program offered by CCDR. Our certified counselor calculates a monthly payment that you can afford and determines how long it will take (at that rate of payment) to eliminate the debt. Our clients pay their debts. The difference is that they are granted a reduced payback at 0% interest allowing you to avoid bankruptcy.