FAQs

Below are the answers to frequently asked questions from Consumer Credit Counseling Service clients regarding our services. Please review them, your question may have already been answered!

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Q. Is CCCS a government agency, and how is CCCS funded?


Q. Will the CCCS Debt Management Plan impact my credit report?


Q. Do I have to put all of my credit cards on the program?


Q. How can I make my Debt Management Plan payments?


Q. Can I buy a home or car while I'm on the Debt Management Plan?


Q. Even though I've been on the program for a month, my creditors are still calling me. I thought that the collection calls would stop.


Q. What if I want to stop the plan?


Q. How much does the Debt Management Plan cost?


Q. How do I know if my payment was received?


Q. Can I pay more than my monthly DMP payment in order to pay the debt off quicker?


Q. Can I make changes to my monthly ACH payment?


Q. Can I skip a payment?


Q. What is the benefit of ACH payments over mailing payments?


Q. How may a debt collector contact you?


Q. Can you stop a debt collector from calling you?


Q. May a debt collector contact anyone else about your debt?


Q. What types of debt collection practices are prohibited?


Q. False statements


Q. Debt collectors also may not state that:


Q. Unfair practices.


Q. Where can you report a debt collector for an alleged violation?


Q. What is Phishing?
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