Client Handbook
Questions & Answers about Debt Management Programs
What can we do to help our Debt Management Program along?
Keep in touch and let our client service representatives know immediately if any problems arise. Our Client Services Department is open from 8:30 a.m. - 5:30 p.m. Monday - Friday and can be reached at (478) 745-6197 or 1-800-446-7123 outside of the Macon area.
Mail your deposits on time. Send cashier’s checks, certified checks or money orders only. No personal checks or cash are accepted.
Inform us immediately of any change in your name, address, marital status, or employment.
Make sure that we have the names, addresses and account numbers of all of your creditors as soon as possible in order to complete your file and speed its processing.
Closely monitor your creditors’ statements to ensure that CCCS deposits are being properly credited. If some of your creditors waive fees or reduce interest, make sure that your statements reflect this. Also, keep us informed if any accounts are turned over to collection agencies or if any creditor notifies you of an account number or address change.
- Where do we go from here?
- What can we do to help our Debt Management Program along?
- What should we avoid if we want our program to go smoothly?
- Will CCCS contact our creditors in the Debt Management Program?
- What if a creditor does not accept the plan?
- What happens if we receive a large sum of money and want to pay off our account early?
- Will our creditors still contact us?
- Will our creditors stop interest on our accounts now that we are working with CCCS?
- Will we receive statements from our creditors?
- Must all of our creditors be included in our Debt Management Program?
- When is our deposit due?
- May we pay with a personal check?
- To whom should we make our money order, certified check or cashier’s check payable?
- What if your deposit is late?
- Can we increase our monthly deposit to CCCS?
- What if we miss a deposit?
- What if I lose my job?
- Can our creditors take legal action against us while we’re enrolled in the Debt Management Program?
- Will creditors help us re-establish credit?
- What if we have to borrow money?
- Will using CCCS protect our credit rating?
- What if we want to withdraw from the Debt Management Program?
- How is CCCS funded?