Debt Management Begins With a Call Today...
Take the First Step Out of Debt
If you find yourself in a
financial crisis, Consumer Credit Counseling Services' Debt Management
Program (DMP) might be an answer.
Get on top
of your money Problems and avoid bankruptcy!
Research shows that most
people can be debt free within a reasonable period of time if they
choose a debt management program. Our Debt
Management Program serves the dual role of helping you
repay your debts and helping creditors collect the money owed them.
How We Can Help
We provide money management and debt counseling in person, or over the
phone if you are unable to come to the office. Your counseling is confidential.
Free counseling is available through grant funding. Your
meeting with a Certified Consumer Credit Counselor will include a
discussion of your current situation,
your concerns and questions, a review of your income, expenses and debt, an explanation of
your options, and a written action plan.
Your counselor will help
you develop a monthly living expense budget along with a reduced payment
plan for your creditors. If your debts are overwhelming a Debt
Management Program may be a viable option. Many
creditors will reduce interest and stop late/over-limit fees for clients
who need to ender a DMP. This helps liquidate your debts sooner.
Creditors will usually lower payments as well which allows a budget plan
that will work for you and help you avoid bankruptcy.
On a DMP you send in a monthly deposit
based on the planned creditor payment schedule and CCCS disburses your
monthly payments to your creditors for you.
There is a one-time set-up fee of $25 to help cover
administrative expenses, and your monthly maintenance fee will not be
more than 15% of your monthly payment as set by the State of Oregon Law
(our maximum fee is $50). The average fee clients pay is $22.
Your fee is based on your individual circumstances. No one is ever
turned away because they cannot afford fees.
Every year, more and more of
our clients "graduate" to a debt-free life. Get started on your plan today. Debt
Counseling Services and Quick Debt Quiz
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