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Our Bill Consolidation and Debt Management Program CCCS 's debt liquidation program is equitable to all creditors and is advantageous to the client. A personal financial counselor is assigned to each client to calculate income and basic living expenses such as food, shelter, clothing, child care expenses, and secured debt such as car payment. The excess income over basic living expenses is then distributed to creditors in a timely manner each month. All creditors are then referred to our office for payment questions and payment status. Collection calls by creditors are then eliminated to the client at home and at work. Only debt that is unsecured can be accepted into the program such as credit cards, hospital bills, and personal loans with no collateral. All accounts placed under our program are closed to further use. |
