What are the benefits of working with Certified Consumer Credit Counselors? Certified Consumer Credit Counselors are experts who tailor confidential programs to meet your specific needs. They will help you understand your situation so you can get on the road to financial freedom.
How is counseling available? Because our network of agencies care about you and your needs, they offer help in a number of ways: In-person By mail Online
What happens when I contact a credit counseling agency? When you contact an agency, you will be advised of any information you need for your counseling session. You will be able to gather your financial documents and other relevant information together and receive professional help in-person, by phone, by mail, or online.
How are agencies funded? Agencies are funded through a variety of sources including voluntary contributions from creditors who participate in our Debt Management Plans (DMP), local grants from private sources and foundations, and client fees and contributions.
What is the charge for counseling services? It varies depending on the support for each agency and state laws, but the majority of these services are provided at no or low cost to clients.
Will credit counseling stop legal action and creditor phone calls? In most cases, we are able to work with creditors to stop any legal action and develop a solution that will satisfy everyone. If you maintain your payment arrangements with us, the majority of phone calls will stop.
Do most creditors contribute to the agency? Yes, most creditors support the agency services. However, if for some reason they do not, we will still work with them to reduce your payments.
Will my creditors know I have an appointment with you? When you tell a creditor you have an appointment with us, or the creditor has referred you to one of our local agencies, we may get a call to verify your appointment.
Why will creditors reduce payments through you instead of working directly with me? Each member agency employs independently Certified Consumer Credit Counselors who evaluate your overall financial situation. Because we help you come up with realistic options to solve your particular financial problem, creditors will work with us - and, through the agency, with you.
Counseling
What happens at my session with a Certified Consumer Credit Counselor? The counselor will review your financial situation in a non-judgmental manner and provide possible solutions. He/She will help you develop a spending plan that covers your living expenses and payments to your creditors.
Are Consumer Credit Counselors qualified? What are their backgrounds? Our Consumer Credit Counselors are specially trained and independently certified through Accel eMedia, Inc. They typically have backgrounds in finance and/or counseling.
Is counseling confidential? Absolutely. Our Certified Consumer Credit Counselors do not discuss a client's financial situation. Client records are maintained in secure facilities.
Can a Certified Consumer Credit Counselor give legal opinions on my options? No. Only an attorney can provide opinions about legal issues.
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Disclaimer Legal Information Is Not Legal Advice This site provides information about the law designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a lawyer if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
Consumer Credit Counseling Information, Debt Management Plan Information, Debt Settlement Plan information, Credit Counseling, Credit Score, Consumer Credit Counseling Service, CCCS, Bill Consolidation, Credit Repair, and Debt Consolidation is not advice, and we recommend you consult a licensed credit counseling agency, debt settlement attorney, and/or licensed debt management plan administrator in your state if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
