Client Handbook
Questions & Answers about Debt Management Programs
What should we avoid if we want our program to go smoothly?
If you don’t understand something about your creditors’ statements or mailings, don’t panic! Call us. We’ve been dealing successfully with concerned creditors and clients for many years. Again, our Client Services Department number is (478) 745- 6197 or 1-800-446-7123 if outside of the Macon area.
Don’t make any payments directly to your creditors unless you have discussed this with our Client Services Department. Send all deposits, including any late or extra payments you might be able to make, directly to CCCS.
Don’t apply for additional credit without first talking with your counselor. If you do, you will place your Debt Management Program in jeopardy.
While counselors are always happy to answer your questions, they will normally be in counseling sessions when you call. Our client service representatives are qualified individuals trained to answer most questions regarding your Debt Management Program. In the rare event client service representatives cannot help you, they will contact your counselor for assistance.
- 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?