 |
You
now have online access to Cincinnati Credit Counseling
Services, Inc. (CCCSI). We are a Internal Revenue Service
approved 501 (C)(3) non-profit organization established
to provide credit counseling and debt management programs
to individuals having financial difficulties. CCCSI provides
educational programs and seminars for the local community.
We assist consumers with all of their debt problems, not
just credit card debt. While some credit counseling agencies
only handle credit card debt and leave you to struggle
with any other bills you might have. CCCSI can assist
you with all debts you may be having difficulties with.
Our goal is to get you on a sound financial plan, one
that you can afford and one that is satisfactory to your
creditors. CCCSI and its affiliates have been providing
debt management and counseling since 1934. We are one
of the oldest credit counseling services in the country.
We pride ourselves on the fact that we still offer face
to face counseling. Unfortunately the trend in the credit
counseling industry has been to adopt the telemarketing
philosophy of counseling. Once they have you on the phone,
they are under a time limit to get your information and
get you off the phone and on to the next one. CCCSI understands
there is more to your financial problems than just your
bill totals. Your counselor takes the time to get all
the facts of your situation so we can set up the best
plan for you and your creditors. By reducing your payments,
lowering or eliminating finance charges, and stopping
late fees and overlimit charges, you can start to make
progress in paying off your debts and avoid the possibility
of having to file bankruptcy.
How
It Works
After
we receive your budget and creditor information, we will
try to set your payments plan to fit into the budget that
you have to work with. You can include all bills you are
dealing with. Credit cards, medical bills, utility bills,
installment loans, mortgage payments, collections agencys,
personal loans, and any other bills you may be having
problems with. After we analyze your information we will
determine what bills you need assistance with and will
include them in the program. Debts you are not having
problems with or you may not want to include in the program
will be calculated in your home budget. Most creditors
will require you to include all credit card debt in the
program. Once your repayment plan is approved, all of
those bills will be handled through CCCSI. You will now
have only one place to make your payment and CCCSI will
disburse your funds on a monthly basis to your creditors.
To insure your plan works efficiently you will need to
bring your statements to us regularly. We will need to
verify that your creditors have lowered your intrest rates
and stopped any additional charges. All creditors have
different policies regarding lowering intrest rates and
other charges. After three consecutive payments most credtors
will bring your account to a current status. Please go
to our Get Started Now page and submitt your information
to see how we can help you. All information will be held
completely confidential.
Our
Commitment To Excellence
We are a founding member of the Association of Independent
Consumer Credit Counseling Agencies (AICCCA). The AICCCA
was founded in 1993 to provide an organization to set
standards and integrity for independent counseling agencies.
This allows agencies to operate independently yet conform
to stardards to provide quality credit counseling. There
was a need for agencies to work together with creditors
to provide the best possible service for people in need
of financial assistance and education. AICCCA is recognized
by major creditors and works closely with us to insure
you get the benefits credit counseling can provide. We
are audited anually and are bonded to insure the safety
of your funds.
We
are audited bi-annually by the British Standards Institute
(BSI, Inc.). BSI is the world's leading international
testing, registration and certification organization.
We have been certified and registered under ISO 9001:2000,
which is one of the toughest managerial testing programs
in the world. This insures that we provide you with the
best possible service by setting strict standards and
procedures which we operate under.
