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?