Client Handbook
Questions & Answers about Debt Management Programs
Will our creditors still contact us?
Once creditors begin to receive regular payments through CCCS, they should stop calling you. If they continue to call after you are enrolled in the Debt Management Program, do not refuse to talk to them. Instead, encourage them to contact our Client Services Department.
If they refuse to contact CCCS, please get the name of the person calling, their phone number, fax number, and the creditor’s name. Give this information to our Client Services Department and we will contact the creditor for you.
Some creditors may try to convince you that they do not accept CCCS payments or that they have never heard of us. We can verify whether a creditor does or does not accept our plan. A vast majority of creditors do. Do not be intimidated; call us to find out for sure.
You may continue to receive routine collection letters from your creditors. The majority of these letters are computer-generated and are no cause for alarm. However, if you receive correspondence concerning legal action or placement of your account with a collection agency, please contact our Client Services Department so that we can verify that your payments are being posted correctly.
- 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?