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Frequently Asked Questions

What is a Credit Counseling Session?
A Credit Counseling Session is an overview of you total financial situation.  It can be done on the telephone or in person.  During this session, a certified counselor will review all of you income, expenses and debts.  At the conclusion of this comprehensive session, the credit counselor will make recommendations to help you get back on track financially (one of which may be a debt management program).  For additional information about our credit counseling services, click here.


How long does the credit counseling session take?
The average credit counseling session will last about one hour.  This may vary depending on your specific situation.  Beware of agencies that claim they can help you get rid of your debt in 15 minutes or less.  These types of agencies may be trying to push you into their program without providing the full benefits of a credit counseling session.


What is a Debt Management Program?
A Debt Management Program is a payment plan between you, Credit Counseling Service, and your unsecured creditors.  In this plan, creditors agree to offer special concessions to help you get out of debt.  These concessions may include reducing your interest rates and stopping late and over-limit fees.  This plan can reduce the months or years of repayment.  For additional information about our debt management program, click here.


What are the benefits of a debt management program?
Benefits of the debt management program include: 
  • Lower interest rates
  • Elimination of late and over limit fees
  • End to collection calls
  • One simple monthly payment
  • Debt free in 3 to 5 years
  • An alternative to Bankruptcy


I'm only a little behind on my bills, can you still help me?
Yes, creditors will respect the fact that you've taken responsibility early and are attempting to resolve the problem before it becomes a major concern.  In fact, catching the problem early can prevent further harm to your credit rating.

How long will it take to pay off my debts?
On your own it may take ten or more years to pay off average debt amounts when making only minimum payments. Consumer Credit Counseling Service can devise a debt management plan to significantly reduce or eliminate most unsecured debt within three to five years.