Cccs Debt Management Avoid Bankruptcy

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					                                                   Consumer Credit Counseling Service of Savannah


Frequently Asked Questions




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- What is Consumer Credit Counseling Service?

- What services does CCCS provide?

- Who is eligible to receive these services?

- Do you charge for your services?

- How do I arrange for counseling?

- What can I expect from my counseling session?

- Are CCCS services confidential?

- Does CCCS serve only people who are experiencing financial difficulty?




Q. What is Consumer Credit Counseling Service?

A. Consumer Credit Counseling Service (CCCS) of Savannah is a non-profit 501(c) 3 organization that has been serving
the community since 1965. Governed by a Board of Directors made up of community volunteers, CCCS helps consumers
to identify solutions to their immediate financial concerns and educates them about sound financial practices. Our five
branch locations are supported by a staff of nationally certified counselors who are dedicated to providing the highest
standard of service to our clients.




CCCS is a local United Way member agency which is fully accredited by the Council on Accreditation. CCCS is also a
HUD-approved housing counseling agency and is a member of the Better Business Bureau and the National Foundation
for Credit Counseling (NFCC). Funding is provided by creditors, clients, individual contributors and grants from
corporations, foundations, and government agencies.




Q. What services does CCCS provide?

A: CCCS is proud to offer confidential counseling for families seeking financial solutions. Counseling services offered
include: budget counseling, credit counseling, bankruptcy counseling, home-buying counseling, foreclosure prevention
counseling, and reverse mortgage counseling (HECM – Home Equity Conversion Mortgage).




Our Debt Management Program (DMP) is a responsible way to consolidate debt into one low monthly payment. Benefits
of the DMP can include reduction or elimination of interest rates and elimination of late fees and over-limit fees allowing
clients to pay off debt within four to five years. The DMP could be a solution for individuals seeking to become debt-free,
for those who may be over-extended with debt or seeking alternatives to avoid bankruptcy.
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                                                   Consumer Credit Counseling Service of Savannah




Educational services include workshops on money management, credit reports and credit scores, savings, choosing and
using credit wisely, preventing identity theft, and HUD-approved first time homebuyer education. Bankruptcy workshops
required by the Bankruptcy Reform Act of 2005 are also available.

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Q. Who is eligible to receive these services?

A. There are no eligibility requirements to receive our services. If you have a question about our services or would like
additional assistance, please call us to at (912) 691-2227 or toll-free at (800) 821-4040.

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Q. Do you charge for your services?

A. There is a $25 fee for appointments related to debt management and budget counseling. The fee for bankruptcy
counseling and/or classes is $50 per individual or $75 per couple. Under special circumstances fees may be waived; no
one will be denied service due to an inability to pay.




In the event of enrollment in a debt management plan through CCCS, a monthly fee of 6.5% of the total monthly payment
(not to exceed $40 per month) is charged to the account holder.




Consumer education workshops are provided free of charge throughout the community.

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Q. How do I arrange for counseling?

A. To schedule an appointment at any of our five locations, please call us at (912) 691-2227 or toll-free at (800) 821-
4040. Appointments are offered weekdays from 8:30AM to 5:00PM (availability may vary depending on the service and
location). Evening appointments are available on Tuesdays and Thursdays in our Savannah office.

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Q. What can I expect from my counseling session?

A. Your counselor is prepared to review your financial situation in a confidential one-on-one interview. Depending on your
needs, your counselor will review your household budget, educate you on effective money management, discuss options
and work with you to develop an action plan to help you achieve your future financial goals. Counseling sessions can last
up to 90 minutes and take place in person or over the telephone.

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                                                    Consumer Credit Counseling Service of Savannah




Q. Are CCCS services confidential?

A. It is the policy of the Board of Directors of CCCS that all information received from the client, and the fact that the
client is receiving counseling, will remain confidential.

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Q. Does CCCS serve only people who are experiencing financial difficulty?

A. While CCCS concentrates much of its efforts on helping those with debt problems, our services are available to
anyone who would like to learn more about sound financial practices. We are happy to meet with schools, churches,
neighborhood groups, civic groups, employee and professional organizations as well as individuals.

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