|Here at CCDCS, we understand that emergencies
or unexpected expenses can cause you to fall behind with the bills.
We also realize that even one late
payment can make your interest rates be raised to an outrageous amount.
program can help you regain control of the bills by having them brought
to a "current" status without having to make double or triple
catch up. In certain situations, we can even have accounts removed
you join our debt management program, we'll be able to help you
re-establish your credit. As long as you make your payments on time
and in full, you'll be establishing a steady payment history. Accounts
may say you are enrolled in a consumer credit counseling program
on your credit report, but that you are paying as agreed now. We'll also provide you with
a written letter of reference to help you get credit in the future.
By taking advantage of our Debt Management Program, we can help
control of your finances by gaining the following benefits from
Reduced Interest Rates: Many major creditors will reduce or even
eliminate the interest you're currently being charged. Contact us and we can
give you the exact amount the creditors will lower their interest to.
Eliminate Late or Over-Limit Charges: In most cases, we'll be able
to have those annoying late fees and over-limit charges waived. Some creditors
require three minimum payments before they stop these fees.
Smaller Payment Amounts: Your monthly payment can be reduced significantly,
based on what the lowest minimum payment the creditor is willing
to accept. Contact us and we will let you know these guidelines
for each specific creditor.
Re-aging of Past-due Accounts: By taking advantage of our Debt
Management program, your accounts can be brought back to a current status,
giving you a fresh start. This also makes it unnecessary to make up past due
payments, where the creditors are asking for a minimum payment of hundreds
Re-establish Your Credit: As you pay the bills through us, you'll
establishing a steady payment history. Keep in mind that creditors
are grateful you have decided to enroll in a consumer credit counseling
program because they realize you could file for bankruptcy. Instead, you
are repaying your debt.
How Do You Get Started?
Click on the "download forms" link to begin the enrollment
we send out proposals to your creditors, we need you to consult
with our trained credit counselor to determine your budget information, figure
out your monthly minimum payment, and make sure you understand exactly
how your program with us here works. We need the signed, completed
forms as well as a current copy of each statement from the creditors
that you would like included on the program. You can fax the forms and statements back
to us at 1.888.315.3242.