Clear Path Credit Counseling, CPCC

Credit counseling and budget management company providing financial services, education, credit improvement, debt management support, and budgeting assistance. We help individuals and families assess their finances, create personalized action plans, improve credit, manage debt, and build healthy financial habits through one-on-one counseling, budget workshops, and ongoing support.

About CPCC

Learn who we are, how we work, and why our certified counselors prioritize your long-term stability.

A photographic close-up of a detailed debt management plan in progress, spread across a dark walnut desk. A crisp white worksheet is divided into neat sections using soft blue and green highlight bars, with columns of numbers aligned under abstract category symbols instead of text. Color-coded sticky notes form a tidy row at the top edge, suggesting different creditors and priorities. A sleek gray calculator, a metal pen, and a pair of thin-framed reading glasses rest nearby. Overhead, cool but gentle office lighting creates even illumination with subtle reflections on the calculator buttons. The background fades into a soft blur of a file organizer and a muted city view through a window, evoking a serious yet encouraging mood focused on taking control of debt step by step.
A detailed overhead photographic scene of a kitchen table turned budgeting station, with a pale wooden surface supporting neatly stacked envelopes marked only by colored icons for different expenses, a tablet displaying simple bar and pie charts, and a spiral-bound notebook open to clean, ruled pages filled with orderly lines. Nearby, a simple ceramic mug of tea steams beside a small potted plant, adding warmth. Soft, diffused morning light from a nearby window brightens the table, casting minimal shadows and emphasizing clarity. The composition uses a balanced, top-down layout so every object is visible without clutter. The atmosphere feels organized, hopeful, and approachable, visually representing a clear path to managing monthly bills and planning debt payments in a non-intimidating home setting.

Your Partner In Financial Clarity

Clear Path Credit Counseling helps you understand your full financial picture, then creates a step-by-step plan. Through one-on-one sessions, workshops, and ongoing check-ins, we guide progress without pressure or judgment.

Learn More

Our Counselors

A clean, professional consulting room rendered in photographic realism, with a round light-wood meeting table at the center. On the table, there is an open folder containing neatly arranged financial documents with graphs, a thin tablet showing a colorful but text-free credit score gauge, and a smooth black pen resting across a blank notepad. In the background, white shelving holds binders in soothing blues and greens plus a few leafy plants for warmth. Natural daylight streams in from tall windows to the right, softened by sheer curtains, creating a bright yet gentle atmosphere. Shot from a slightly elevated angle, the composition leads the eye toward the organized materials, conveying the feeling of supportive one-on-one credit counseling and structured action planning without depicting any people.

Lakeisha Adams

Credit Counselor

Certified credit counselor specializing in budgeting support, known for patient guidance and practical action steps.

A photographic close-up of a detailed debt management plan in progress, spread across a dark walnut desk. A crisp white worksheet is divided into neat sections using soft blue and green highlight bars, with columns of numbers aligned under abstract category symbols instead of text. Color-coded sticky notes form a tidy row at the top edge, suggesting different creditors and priorities. A sleek gray calculator, a metal pen, and a pair of thin-framed reading glasses rest nearby. Overhead, cool but gentle office lighting creates even illumination with subtle reflections on the calculator buttons. The background fades into a soft blur of a file organizer and a muted city view through a window, evoking a serious yet encouraging mood focused on taking control of debt step by step.

Pheandreate Hill

CEO

Helps families untangle complex debt, explaining options clearly so clients feel informed, respected, and hopeful.

A detailed overhead photographic scene of a kitchen table turned budgeting station, with a pale wooden surface supporting neatly stacked envelopes marked only by colored icons for different expenses, a tablet displaying simple bar and pie charts, and a spiral-bound notebook open to clean, ruled pages filled with orderly lines. Nearby, a simple ceramic mug of tea steams beside a small potted plant, adding warmth. Soft, diffused morning light from a nearby window brightens the table, casting minimal shadows and emphasizing clarity. The composition uses a balanced, top-down layout so every object is visible without clutter. The atmosphere feels organized, hopeful, and approachable, visually representing a clear path to managing monthly bills and planning debt payments in a non-intimidating home setting.

Zuri Ndlovu

Focuses on credit rebuilding, teaching clients how everyday decisions affect scores without judgment or jargon.

A clean, professional consulting room rendered in photographic realism, with a round light-wood meeting table at the center. On the table, there is an open folder containing neatly arranged financial documents with graphs, a thin tablet showing a colorful but text-free credit score gauge, and a smooth black pen resting across a blank notepad. In the background, white shelving holds binders in soothing blues and greens plus a few leafy plants for warmth. Natural daylight streams in from tall windows to the right, softened by sheer curtains, creating a bright yet gentle atmosphere. Shot from a slightly elevated angle, the composition leads the eye toward the organized materials, conveying the feeling of supportive one-on-one credit counseling and structured action planning without depicting any people.

Leila Haddad

Leads our education workshops, turning confusing financial terms into simple tools clients can actually use.

Reviews

A photographic close-up of a detailed debt management plan in progress, spread across a dark walnut desk. A crisp white worksheet is divided into neat sections using soft blue and green highlight bars, with columns of numbers aligned under abstract category symbols instead of text. Color-coded sticky notes form a tidy row at the top edge, suggesting different creditors and priorities. A sleek gray calculator, a metal pen, and a pair of thin-framed reading glasses rest nearby. Overhead, cool but gentle office lighting creates even illumination with subtle reflections on the calculator buttons. The background fades into a soft blur of a file organizer and a muted city view through a window, evoking a serious yet encouraging mood focused on taking control of debt step by step.

Alisa Morgan

“After my first CPCC session, I finally understood my debts and had a realistic budget I could stick with. The relief was immediate.”

A detailed overhead photographic scene of a kitchen table turned budgeting station, with a pale wooden surface supporting neatly stacked envelopes marked only by colored icons for different expenses, a tablet displaying simple bar and pie charts, and a spiral-bound notebook open to clean, ruled pages filled with orderly lines. Nearby, a simple ceramic mug of tea steams beside a small potted plant, adding warmth. Soft, diffused morning light from a nearby window brightens the table, casting minimal shadows and emphasizing clarity. The composition uses a balanced, top-down layout so every object is visible without clutter. The atmosphere feels organized, hopeful, and approachable, visually representing a clear path to managing monthly bills and planning debt payments in a non-intimidating home setting.

Philllp Johnson

“CPCC didn’t judge our past mistakes; they showed us options. We now track spending, pay down debt, and feel hopeful again.”

Who's the Coach?

Ben Ruiz Oatts is the insightful mastermind behind this coaching platform. Focused on personal and professional development, Ben offers fantastic coaching programs that bring experience and expertise to life.

About Coach Ben ↗

Get weekly insights

We know that life's challenges are unique and complex for everyone. Coaching is here to help you find yourself and realize your full potential.

Subscribe to Newsletter