How Does Consumer Credit Counseling Work?
Anyone may contact the CCCS office for a confidential counseling appointment. Individuals may also be referred to CCCS by family, friends, employers, creditors, churches, legal aid organizations, social services, and/or government agencies. Counselors analyze personal financial data and advise clients on efficient money management methods. A Debt Management Plan may be suggested for those clients needing additional help. Debt Management Plan (DMP) Is for individuals: • Who are behind in payments. • Who do not have enough disposable income. • Who are unable to make full payments to creditors. • Who are unable to pay debts in a timely manner. The Debt Management Plan is: • A voluntary repayment plan set up between clients and creditors. • Making a single monthly payment to satisfy all creditors. Additional Services Provided CCCS offers assistance with: • Credit difficulties. • Budgeting of living expenses to determine areas of excess spending. • Money management counseling to help indivi
