FREQUENTLY ASKED QUESTIONS

Consumer Credit asked 100 of its’ Debt Management Plan clients to participate in a brief        survey regarding their experience with our services.  54% of respondents said they were referred by a family member or friend 28% said they selected Consumer Credit from the recommendation or because of CCCS’s reputation in the community  93% were “Very Satisfied” when asked to rate their satisfaction with our Agency  53% said the most beneficial part of our service was being able to make one, low interest payment on their debt 100% said they felt more in control of their financial situation now compared to when they first made contact with CCCS Since opening their DMP, clients say they continue to use the CCCS website, our printed material, and follow-up counseling to their benefit 100% said they would recommend our services to someone in need

• How do CCCS Services work?
  Consumer Credit Counseling Service is a non-profit United Way Agency, which helps people who are having financial difficulties.  We can set-up an appointment for you to come in and see a counselor,  or we can gather your information
  by phone or by mail.  You and your counselor will develop a monthly budget for your living expenses.  The counselor will
  help you develop a plan to make payments to your creditors with what is left over.
  
  
• What about charges and fees?
  Our counseling is always free.  There is a monthly fee for our Debt Management Program.  That fee is never more
  than $35 a month.  We also ask for a one time education fee, usually $40 or less.
  
  
• What if I don't know who I owe?
  Some clients choose to review their credit report with a counselor prior to discussing a plan for paying their creditors.
  For a nominal fee,  CCCS can get copies of your credit reports at the time of the appointment. This can assist you
  in organizing your financial indebtedness and compiling a complete list of your bills.
  
  
• Do you take my paycheck to pay my bills?
  No. It would be your responsibility to send in or bring in the agreed upon payment.  Your payment would then be disbursed to your creditors.
  
  
• Can you get my creditors to lower my interest rates and payments?
  Many creditors are willing to lower interest rates, lower payments, and bring accounts current for clients on our
  Debt Management Program.
  
  
• Can you make collectors stop calling me?
  Once a DMP has been accepted by your creditors they will usually not call you, as long as you are keeping up
  your DMP payments to CCCS.
  
  
• Why choose Consumer Credit Counseling Service?
  CCCS is a community-based organization addressing the financial challenges of our clients and community.
  CCCS is an active member of the National Foundation of Credit Counseling (NFCC), with 1400 offices in the US
  and Puerto Rico.  CCCS is accredited by the Council on Accreditation of Services to Families and Children Inc.
  
  
• How do I get started?
  You can call our office at 1-800-888-7182, or call the location nearest you.  A representative will be able to set up
  a counseling appointment for you by phone, mail, or in-person.  Click on the link below that says Print/Complete
  our worksheet.  Bring the completed worksheet, along with your most recent bills or statements to you appointment.
  

      How do I get started?Call us    Print/Complete our Worksheet