Services

• We work with you to develop a tough but realistic budget. Sometimes that is all you need to get your finances in order.
• However, if your debts are so overwhelming that you need continuing help, we may suggest that you enter a formal debt management plan. In that case:
• We ask your creditors to reduce your monthly payments to match your new budget. Payment plans are generally accepted as all major credit grantors support CCMS.
• You give us the monthly deposit agreed upon to pay your bills, it is placed in a trust account and payments are forwarded to your creditors. You may review your accounts any time you wish.
• While you are in the CCMS Debt Management Program, you can incur no further debt except for housing, emergency medical expenses or necessary transportation. Individual creditors report the account is being paid through “Debt Management”, this will be a negative impact on ability to obtain additional credit during enrollment.