 With the struggling economy, many people are finding themselves deep in credit card debt. Therefore, consumers are forced to turn to debt consolidation in order to get control of their finances. However, before a person decides to consolidate their credit card debt, they need to be aware of the credit... |
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Living with debt is by no means easy. There’s the constant concern of living paycheck to paycheck and the never ending issue of covering monthly bills and living expenses. While most of us pride ourselves on being self-sufficient, it’s hard to ignore that we all sometimes live well beyond our means.... |
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| CCCS of Central New York |
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Background 500 S. Salina St. Suite 600 Syracuse, NY New York 13202 Other Business Names: CCCSCNY, Consumer Credit Counseling Service of Central New York Summary of Business: Credit Counseling, Debt Consolidation Number of BBB Complaints as of 7/17/08: 4 Members of BBB: No Business Start Date: 1972 Trade Organization Memberships: NFCCC (National Foundation for Consumer Credit Counseling), HUD (Housing and Urbban Development), EOUST (Executive Office for United States Trustees), Licensed by NYS Banking Department Certifications: COA (Council on Accreditation) Want to make sure that the company you are dealing with is reputable? Read PayingPaul.com's report on debt scams, frauds and rip offs. Is your company a non-profit organization? Yes Do you offer pre-bankruptcy credit counseling? Yes Are your counselors certified or accredited? If neither, how are they trained? Central New York CCCS counselors are certified by the NFCC. What trade organizations are you a member of? NFCCC, HUD, EOUST Eligibility Is there a minimum amount of debt to qualify? No Do you deal with unsecured debt only? Yes Do you require that all of my accounts are included in the program? Yes Services How is the set up fee and monthly maintenance fee determined? what is the fee? The set up fee is $25 and the monthly maintenance fee is on a sliding scale. This fee can range between $10-$30 based on a hardship, and fees can be waived as needed according to a client's ability to pay Are there any creditors that you do not work with? No, but there are some creditors that do not work with CCCS of Central New York. (This is true for all debt management agencies.) How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online? Quarterly statements are issued and clients have online access to their accounts 24/7 Do you have a refund policy for unsatisfied customers? No because the funds are transferred to the creditors right away, however, if CCCS of Central New York is responsible for any error- they will take the appropriate steps necessary to correct the mistake (Disclaimer: The following information is based on an informal conversation that PayingPaul.Com had with a representative from this company. In no way should this be construed as a formal statement made by the company about the services it offers. Moreover, although an effort has been made to keep this information up to date and accurate, in no way is this a comprehensive overview of the company profiled. For complete information, please contact a representative from this company.) Want to get a free quote from a debt management company? Fill out a form and PayingPaul.Com will match you up for free! |
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Credit is a useful tool and when handled responsibly allows us to obtain credit cards, loans for homes, cars and other big ticket items. The better we handle our credit, the better the terms that are offered to us from lenders including higher credit lines and lower interest rates.
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