 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 Middle Georgia |
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Background 277 Martin Luther King Jr. Blvd W. Suite 202 Macon, GA 31201 Other Business Names: CCCS of the Central Savannah River Area, CCCSMacon, CCCSAugusta, Consumer Credit Counseling Services of Middle Georgia Summary of Business: Credit Counseling, Basic Budgeting, Housing Counseling, and Educational Outreach Debt Management Number of BBB Complaints as of 7/17/08: 0 Members of BBB: Yes BBB Profile Business Start Date: March 1971 Number of Employees: 20 Trade Organization Memberships: United Way , NFCC (National Foundation for Credit Counseling) Certifications: 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? NFCC What trade organizations are you a member of? NFCC Eligibility Is there a minimum amount of debt to qualify? No Do you deal with unsecured debt only? Sometimes if it is local and secured, they will attempt to consolidate the debt, otherwise, debts are mostly unsecured Do you require that all of my accounts are included in the program? Depends on the creditor and the client's situation Services How is the set up fee and monthly maintenance fee determined? what is the fee? Fees are determined by state, CCCS of Middle Georgia actually charges less than the state regulations and follow Georgia in every state they service (Georgia and South Carolina). There are also no set up fees. Are there any creditors that you do not work with? No, although some may not offer interest or payment concessions How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online? Each client has online access and can submit a request to view accounts Do you have a refund policy for unsatisfied customers? Yes, if the credit counseling plan is unmanageable then the appropriate funds will be returned (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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