Christian Credit Counselors

Christian Credit Counselors

Reviews Summary

Customers overwhelmingly praise the service, with most highlighting significant debt relief, reduced stress, and excellent support. Many appreciate the professional, compassionate guidance in negotiating lower interest rates and creating manageable payment plans. The company's responsiveness, kindness, and lack of pressure are frequently mentioned. A few note exceptional counselors who provided patient, clear advice. While most reviews are glowing, a small minority criticize poor communication or unprofessional behavior from specific staff. Overall, users report life-changing results, with many becoming debt-free faster than expected and highly recommending the service.

About This Listing

Who Can Work with a CPA?

Individuals seeking tax prep, retirement planning, or financial advice
Small business owners needing bookkeeping, payroll, or tax compliance
Freelancers and contractors with 1099 income or complex returns
Couples planning finances together or managing joint returns
Investors with capital gains or rental property income
Anyone looking for year-round financial guidance and peace of mind

*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*

First-Time Clients

If this is your first time working with a CPA, don’t worry — most professionals offer a free consultation and will walk you through what to expect. You may be asked to complete an intake form, share financial documents, or set clear goals for your session.

What to Know Upfront:

Documentation Bring your most recent tax returns, income details, and any financial concerns
Availability Appointments fill up quickly during tax season — book early if possible

*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*

What to Bring

Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

*Tip: Organize your documents in advance to save time and ensure accuracy.*

Preparing for Your Appointment

Write down any financial goals or questions in advance
Check if your CPA offers virtual sessions or document uploads
Bring a notebook or use a notes app for key takeaways
Know your deadlines for filing, payments, or compliance

*Note: Preparation helps you make the most of your CPA’s expertise.*

How to Get Started

Use our directory to find highly reviewed CPAs near you. Reach out directly to schedule your consultation.

Other Helpful Info

Many CPAs offer both in-person and remote consultations
Fees may be flat-rate, hourly, or based on service complexity
Some CPAs specialize in industries like healthcare, real estate, or tech
Check for client reviews and credentials (CPA license, EA, etc.)

*Note: Every CPA is different — take time to find one who fits your goals and style.*

Contact Information

Address

5838 Edison Pl #130

Carlsbad, California 92008

Hours

Sunday Closed
Monday 6AM-4:30PM
Tuesday 6AM-4:30PM
Wednesday 6AM-4:30PM
Thursday 6AM-4:30PM
Friday Closed
Saturday Closed

Customer Reviews

I worked with Brenda Torres and I could not be happier with the service I received from her and the company overall. I saved THOUSANDS in interest and also paid my debt in an incredibly short time period. When it came time to pay off completely, Brenda was great at advising me the best way to do so and I can't praise her high enough. The amount of anxiety this business saved me from is worth it hands down. I didn't experience any judgement from them, they were helpful and kind and incredible to work with.

This was one of the best moves we have made in our financial journey. We were able to pay off 50,000 dollars in debt in 4 years without hurting our credit. It was a struggle for that 4 years but we did it and now we are free from that debt. I highly recommend CCC to anyone wanting to get out of debt and take back control of your financial future.

I have worked with Brenda Torres for almost two years at CCC. She has always provided wonderful experience and exceptional service in helping me with my creditors. Brenda is always quick to respond and assist with exceptional industry knowledge. I spoke with her on the phone and her smile always shows over the phone. Brenda goes above and beyond in trying to help me, and if she doesn't know the answer (extremely rare) she is upfront and will say so, but always goes to find an answer.

John is RUDE and condescending so request a different counselor if you sign up for this program. Of note, representative ?Brenda? was patient, helpful, kind and courteous.

Called looking for a way to settle my debt spoke to Kelly He was very informative and very helpful and very patient taking the time to break it down for me and direct me the right direction thank you so much.

I was drowning in credit card debt with no hope of getting out from under it. I heard about this company from my Mom and they were AMAZING! The payments were as low as 209 a month for all three cards. I paid 600ish instead and was able to pay off 8000 dollars worth of debt is 8months. I highly recommend!

I will be forever grateful for Christian Credit Counselors! They provided me with a workable plan for paying off a good bit of debt in a reasonable time. The program, and the outcome, relieved a lot of financial stress in my life. My account associate John was always very prompt and responsive. I would recommend their services to anyone needing to repay debts!!

My husband and I had a pleasant experience working with the CCC staff. Everyone we worked with was professional, personable and responsive. We are grateful for their effort to get our creditors to lower our interest rates. This made a world of difference for us. CCC does great work at a reasonable rate. We highly recommend them! Thank you CCC!

Thank you so much Neile S for your assistance in my financial situation, from reviewing, discussing, strategizing, and completing the process to become debt free again!!! CCC assisted my 20 years ago and I am so glad you were able to assist me again in the year of our 2020 Pandemic, quickly, efficiently and being so friendly and helpful. Happy Holidays and be safe. Take Care, Deb D

Good communications. Very responsive and professional. I recommend them if and when you need credit card payments management better that bankruptcy which stays on your credit report for 10 years, and may prevent you from some employment and or housing rentals.

We went through CCC to pay off all our credit card debt that we had accumulated over 15 years. We are now completely debt free except for mortgage. CCC really helped us to lower the interest rates and get it all paid off. They were always very kind and helpful. Don't give up!! Ask for help!! If we can do it, you can too!!

An outstanding company. I was really in a bad spot, unfortunately I had problems still as I was going through the program and they helped me then also. In 5 years with their help I paid off over $95,000. Truly my family is blessed now. We have cash to buy things, not credit cards or loans anymore. If you are in of help please contact Christian Credit Counselors. Especially Brenda. She was wonderful the whole time.

I just wanted to say thank you for pointing my wife and I in the right direction, your team wasn't able to help us directly but you pointed us to National legal center who helped us greatly. Thank you! God bless!

I have been using CCC for about 2 years now. My credit score is improving and I expect to be debt free in 3 years or less. I reccomend this company to anyone struggling to get out from under high APRs and monthly payments that get you no closer to financial freedom. Best research I ever spent preparing for this move with CCC. Time well invested.

I am so glad that I went with CCC, they were terrific and helpful from the beginning and it gave me hope that I could conquer my credit debt. Every time I sent an email with a question, I got a response the same day. Great work guys!

I attempted to use their services but the communication was LACKING! It seemed like as soon as my personal information was given, I had to call or email at least twice to get a response. My assigned person was J. Baker, and he was awful. After taking forever to get back to me, I did my own investigating and saw I can get the exact same rate directly from my credit card company.... Meaning I don't have to pay the monthly fee they charge and I don't have to share my information with these "sketchy" people . F

Neile was extremely helpful and gave me a lot of grace as I deliberated this process over the course of about 5 months before finally jumping in. She was faithful in her followup and really helped me wrap my head around what makes the most sense to help me dig out if my credit card debt. I'm so grateful!

For the past 2 years, I have had the privilege of working with this company while watching the credit scores increase as the balances decreased. It was a very positive experience. I thank them all for helping me!

Horrible Service!!! Wow Christian organization? Really? Enrollment specialist needs to work on customer service skills. Never calls back, never answers the phone. When I finally get to talk to the individual very rude and tries to make you feel like you owe them something. Would mention the name of individual but can't go down to that level. They say God bless at end of their message which I heard a bunch of times, because they never answer. Well God bless Christian Credit Counseling. I'll pray that God wil

I would definitely recommend CCC to any person that is in debt. They helped me to understand what I needed to do without making me feel less than. I'm so glad I hear about them on LifeSongsRadio ?? A big thanks to Gino..He's the BEST!!

Truly wonderful! The representative called and talked me through the process. She didn't pressure me to make a decision or work with them. Very knowledgeable!

I am grateful to CCC for the work they did to help us payoff our huge credit card debt. They were so caring and professional to bring us to being credit card debt FREE!

CCC helped me take hold of the reigns on my debt. I fell into a scam and the bank just kind of kicked me to the curb with it. I turned to CCC desperate for lower payments and interest rate and they did that and more! I'm beyond words grateful for them and to say that I am debt free! Praise the Lord

They were extremely helpful and caring. So glad we made the decision to try and get out of debt. They were able to lower all our interest and their fee is very reasonable.

CCC was a lifesaver for me. CCC was able get my interest rates either drastically reduced or completely brought to 0, which allowed me to pay off everything within a few years.

Gino Padua (credit counselor) with all his expertise and professionalism made my decision to go with Christian Credit Counselors, Inc. easy. At this difficult time due to the Covid-19 pandemic this has made my life a little less stressful. Thank you Gino!

I was able to combine my debt with a payment plan that was easy to understand and pay off. Every time I had a question they were quick to respond and very helpful.

The first thing I love about this company is that it's a Christian Company. The second thing is it has helped lowered my stress by taking my large amount of debit and putting it into a payment I can afford each month. Praise the Lord for a company like this!

CCC has been very helpful. They set my expectations early, explained everything, and were very responsive in their communications.

Always available when we need them! Always available to explain things to us that we didn't understand. We are getting our debts paid off and couldnt be more happier or grateful!

Have had great experience with them. Especially being on a 100% commission based business. They have worked on accommoding switching of payment dates.

Whenever I emailed my representative she got right back to me with an answer to my questions. It took me several years, but they helped me pay off nearly 22K in debt.

I was blessed to have a very caring and compassionate loan counselor. Her expert help enabled us to see a light at the end of the tunnel.

Christian Credit Counselors helped me with my overwhelming credit card debt, after my divorce. I am so thankful they were there to work with the credit card companies.

The best help I have ever gotten! Combined with advice on budgeting from MoneyWise, I finally am in control of my finances. What a relief!

have had very good service from them bills are being paid on time and they deal with all the credit card companies and i have documentation and records of them being paid thank you

At a time when I needed it most, Christian Credit Counselors has been there to meet my needs, and walk with me every step of the way. Thanks and God bless for all you do!

Had a great experience with Christian credit counselors. Very professional and helpful. I would recommend to everyone who needs help with credit debt.

We were pleased with the prompt and courteous attention we were given from the first call. Now we are on our way to being debt-free.

I have praised God for leading me to CCC. He knew I needed them. I will be out of debt next month.

My wife and I are so grateful for their help as we navigated our way out of debt!

I have retired a large amount of debt in four years with the help of CCC - their help was mission critical in this process!

Very helpful. Good communication, always kept in contact with me. Very kind and courteous.

I am in the process of getting my debts paid of they are such a Blessing I am so grateful.

WE LOOKED INTO THEIR SERVICES BUT THE ANSWERING SERVICE ??WASNT VERY POLITE ?????? WHEN I ASK QUESTIONS THEY SEEM TO GET IRRITATED. I THINK I WILL TRY TRINITY. HOPEFULLY, THEY WILL WANT OUR BUSINESS & TREAT US WITH RESPECT

Have no issues with the way the credit matters are being handled, I would recommend their services ??

Answered all my questions in a timely manner and very professional to work with!!

Good spirited employees Who are willing to hear and help with my financial problem

It's helping me successfully get out of debt

great people and they do what they say 100%

Not sure closed when I was there. Guess may go in the week.

Frequently Asked Questions

What qualifications should I look for in a CPA?

Look for a Certified Public Accountant (CPA) license, which ensures they’ve passed rigorous exams and meet state requirements. Check for relevant experience in your industry, additional certifications like CFA or CMA, and membership in professional organizations like the AICPA. Verify their credentials through state licensing boards.

How do I find a CPA in my area?

Use online directories like the AICPA, CPAverify, or state CPA societies. Search platforms like Yelp or Google for local CPAs with reviews. Ask for referrals from business associates, friends, or financial advisors. Local chambers of commerce can also provide recommendations.

What’s the difference between a CPA and an accountant?

A CPA is a licensed professional who has passed the CPA exam and met state requirements for education and experience. An accountant may lack this certification and could have varying levels of expertise. For complex tasks like tax audits or financial reporting, a CPA is typically more qualified.

How do I know if a CPA specializes in my needs?

Ask about their experience with your specific financial needs, such as tax preparation, small business accounting, or estate planning. Review their website or LinkedIn for case studies or client testimonials. Inquire about their client base to ensure they handle similar financial situations.

Should I check a CPA’s reviews before hiring?

Yes, reviews provide insight into a CPA’s reliability, communication, and performance. Check platforms like Google, Yelp, or the Better Business Bureau for client feedback. Look for patterns in reviews, but verify their authenticity, as some may be biased or outdated.

How can I verify a CPA’s license?

Visit your state’s Board of Accountancy website or use CPAverify.org to check a CPA’s license status. Confirm their license is active and check for any disciplinary actions or complaints. This ensures they’re in good standing and meet professional standards.

What questions should I ask during a CPA consultation?

Ask about their experience with your financial needs, fee structure, availability, and communication style. Inquire how they handle tax filings, audits, or financial planning. Ask for references or examples of similar work to assess their expertise and fit.

How much should I expect to pay for a CPA’s services?

Fees vary based on location, services, and complexity. Basic tax preparation may cost $150-$500, while business accounting or audits can range from $1,000 to $10,000+. Request a detailed fee structure upfront and compare quotes from multiple CPAs.

Can I work with a CPA remotely?

Yes, many CPAs offer remote services through secure online platforms for document sharing and virtual consultations. Ensure they use encrypted tools for data security. Remote CPAs can be effective if they understand your local tax laws or business regulations.

How do I assess a CPA’s communication skills?

During consultations, evaluate their ability to explain complex financial concepts clearly. Ask sample questions about taxes or financial strategies and note their responsiveness and clarity. Good communication ensures you understand their advice and fosters a productive relationship.

What red flags should I watch for when screening a CPA?

Beware of CPAs who guarantee specific tax refunds, lack a valid license, or have disciplinary actions on record. Avoid those with poor communication, vague fee structures, or negative reviews highlighting unethical behavior. Always verify their credentials independently.

Should I choose a CPA from a large firm or a solo practitioner?

Large firms offer more resources and specialized teams but may charge higher fees. Solo practitioners often provide personalized service and lower costs but may have limited availability. Choose based on your needs, budget, and preference for personalized attention.

How often should I meet with my CPA?

For individuals, annual meetings for tax preparation may suffice. Businesses may need quarterly or monthly check-ins for bookkeeping, tax planning, or financial reporting. Discuss your needs upfront to establish a meeting schedule that aligns with your financial goals.

Can a CPA help with both personal and business finances?

Yes, many CPAs handle both, but confirm their expertise in both areas. Ask about their experience managing personal taxes and business accounting simultaneously. Ensure they can balance both without compromising attention to your specific financial needs.

What should I do if I’m not satisfied with my CPA?

Discuss concerns directly with your CPA to resolve issues. If unresolved, check your contract for termination terms. Seek a new CPA by researching reviews, credentials, and referrals. Request your financial records to ensure a smooth transition to a new professional.

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