Frequently Asked Questions
 
How debt management work?
Do I need to maintain payments to my credit card on my own?
When are my payments due?
Can I make extra payments?
When will you contact my creditors?
After I pay off one creditor, can I reduce my payment?
Will Community Credit Counseling accept my personal check and where do I send my payment?
Do I have to put all my credit cards into the program?
Can I keep using my accounts while in your program?
Do I still receive calls from my creditors?
What happens if I miss a payment?
Will I continue to get statements from my creditors?
Is this like bankruptcy?
Will my creditor stop interest?
When do my creditors make interest and late fee adjustments?
How does going through debt management affect my credit?
Can my credit be repaired through debt management?
What if I need to purchase a home or a car while I am on debt management program?
Will my employer know I have a credit problem?
 
 

 

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AVOID BANKRUPTCY

TALK TO US FIRST ABOUT CREDIT COUNSELING OR DEBT SETTLEMENT

WE ARE A FEDERAL NON-PROFIT ORGANIZATION

 

Non-Profit vs. For Profit
Debt Settlement and Counseling Services
Don’t Be Fooled Settle Your Debt for Less

Compare our Non-Profit” debt settlement plan to the For Profit” company plans offered.  In addition we also offer non-profit credit counseling services.  Many “For Profit” companies charge you as much as 20% to 25% of the debt they save you.

For example if you have $100,000 in debt and the settled amount to be paid is $30,000, a “for profit” company may charge as much as $14,000-$21,000 additional to you.  This could be in addition to other fees.

We only charge you a maximum one-time set-up fee of $75.00 and a small monthly service fee for managing your accounts.  Our way saves you thousands compared to the “For Profit” way.  It’s not too late to enroll with us even if you already have signed up with a “For Profit” company.  Simply call us for more information.

Our “Non-Profit” services offer many benefits compared to “For-Profit” options.  Many consumers contact “For Profit” Debt Settlement companies who are less regulated.  “Non-Profit” companies are strictly regulated and mandated by State and IRS guidelines.  We are required by state and IRS guidelines to have our books and facilities audited by independent Accountants and Standards Organizations.  “For profit” companies have no such requirements and often become the subject of many consumer complaints.  Our company has a long history and track record for helping consumers.  When comparing the two options it is important to do your homework and check with the Better Business Bureau to ensure that the company you choose is accredited with a strong rating.  Currently our rating is A+.

Here are more differences:

Non-Profit” Debt Settlement            VS        “For-Profit” Debt Settlement

Heavily regulated.                                                  Less Regulated.
Compliant with many state laws.
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Accreditation required.                                        No Accreditation required
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Low Fee limits.                                                       No Fee limits.
(Maximum $50 per month)                                   Fees cost in the thousands.
                                                                                   Hidden fees are common.
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FREE Education Courses and Books:                 No Education provided.
How to make a budget.
Balancing a checkbook.
Use of bank services.
Borrowing money.
Credit problems.
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FREE Seminars and Workshops.                         Often no seminars or workshops.
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Cooperation from creditors                                   Risks of lawsuits for delays.
to work out payment plans.                                
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State & IRS Audits done to ensure                      No audits required.
compliance.
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Free consultation session with a                           No Free consultations required.
 Certified Credit Counselors.

Call us now for a free consultation, we will answer all of your questions and help you make the right decision.

         

CREDIT COUNSELING PROGRAM           

 


Most major creditors recognize credit counseling.
Collection calls and letters STOP.
Late, over-limit and annual fees STOP. 
Creditor receives a monthly payment.
Account can be restored to a current status.
Credit report shows paid in full account.
Balance is paid in full and no taxes to be paid.
Low fees governed by your state.

 

WE OFFER FREE CONFIDENTIAL CONSULTATION

 

FOR YOUR FAST FREE ANALYSIS
CALL!
1-877-BILLS–11 (245-5711)  

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


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A NON-PROFIT 501 (C) (3) ORGANIZATION
LICENSED & BONDED
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BBB MEMBER SINCE 2001
AFCPE CERTIFIED CREDIT COUNSELORS
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