|You make your payments on time every month,
but with the high interest rates
you're being charged, it's impossible to get the balances down. This
because most of your monthly payment goes toward interest, leaving
little to pay toward the balance.
are seeing more and more people signing up for a debt management
program who aren't late on their payments, and who can barely afford
to make minimum payments to the creditors, but are still coming
to us for help. Do you feel as if you are throwing your money into
a black hole each month, where $175 out of your $200 payment to
your creditor is applied to interest? By taking
advantage of our Debt Management program, we can gain the following
benefits to help you GET OUT OF DEBT much faster, and SAVE YOU LOTS
Reduced Interest Rates: Many major creditors will reduce or even
the interest you're currently being charged.
Lower Monthly Payments: Our average client can expect to save up
to 50% on
monthly credit card bills. This leaves more money for other, more
Less Hassle: You make one simple payment for your bills, and we'll
of the rest. You definitely can pay more to us if you'd like, and
either apply it to the creditor you tell us to, or we'll apply the
money to the creditor with the lowest balance.
An Advocate Working for You: We now represent you and contact creditors
when there are any problems. We negotiate payment arrangements on
your behalf, and arrange do-able monthly payments, even from the
strictest collection agencies who demand hundreds of dollars a month.
Roll-up Plan: Your monthly payment to CCDCS remains the same until
complete the program. This means that once the smallest creditor
re-paid, you continue paying the same payment you always have. Now
extra money is applied to the creditor with the next lowest balance,
on. You "could" theoretically do this on your own, but most of us
don't have that type of self-discipline!
It's not shameful or embarassing to get help from consumer credit
even if you feel you make enough money or "should know better."
raise interest rates to a ridiculous amount, and charge fees for
simplest of things. It's quite easy to get overwhelmed and see things
slowly start to get out of control. It's best to get help and face
problem before it's too late!
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
trained credit counselor to determine your budget information, figure
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