How does Credit Counseling work?
Anyone overburdened by credit obligations can contact our office for an
appointment. A professional counselor with previous financial management
experience will counsel the client to prepare a monthly family budget,
and if appropriate, formulate a plan acceptable to the client and the
creditors for paying all debts. The plan, when followed, will normally
be all that is required unless some emergency or change in financial
situation arises.
To insure the success of the program, cooperation between Credit
Counseling, the client and creditors is vital, especially during the
first 30-45 days of the repayment plan. The client must adjust to a new
budget and the creditors must be patient while waiting for their first
payment.
What is expected of Credit Counseling
clients?
•
That information provided to Credit Counseling regarding net income,
living expenses and debts be as accurate and current as possible.
•
That both husband and wife be present if possible at the initial
interview.
That appointments be attended promptly and adequate notice be given to
Credit Counseling if an appointment cannot be kept.
•
That credit counseling be viewed as a long term solution and not a
'temporary fix" for credit problems. Financial problems usually do not
happen overnight; neither do their solutions.
What is expected of creditors who
agree to work with Credit Counseling?
•
That they respond within two weeks (10 working days) to a proposal for a
specific payment amount from Credit Counseling.
•
That they work directly with Credit Counseling and not contact the
client directly after accepting a proposed payment amount unless such
payments are not made as agreed by the client.
•
That any changes to an account, such as new account number or transfer
of responsibility for the account from one company or department to
another be promptly reported to Credit Counseling.
If you want peace of mind knowing that you have a plan to
get out of debt, call Community Credit Counseling Specialists today for
counseling session toll-free at 1-888-662-3313, or
start an online counseling session
immediately.
Community Credit Counseling Specialists, Inc.
5301 Southwyck Blvd., Suite 100
Toledo, Ohio 43614-1580
Telephone 419-865-2333
Toll Free 1-888-662-3313
Fax 419-868-0207
E-mail
© 2006, 2007, 2008 Community Credit Counseling
Specialists, Inc. All Rights Reserved.
Note: This Site
best viewed with video setting of 1024 X 768
