 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 New Hampshire & Vermont |
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Background 105 Loudon Road PO Box 818 Concord, NH 03302 Other Business Names: CCCS of NH, CCCS of VT, CCCS of NH VT, Consumer Credit Counseling Services of New Hampshire and Vermont, cccsnh-vt Summary of Business: Credit Counseling Number of BBB Complaints as of 7/17/08: 0 Members of BBB: No Business Start Date: 1972 Number of Employees: N/A Trade Organization Memberships: United Way - a consumer , NFCC (National Foundation for Credit Counseling) Certifications: 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 debt management organization? Yes Do you offer pre-bankruptcy credit counseling? Yes Are your counselors certified or accredited? If neither, how are they trained? All counselors at CCCS of NH & VT are certified by the NFCC (National Foundation for Credit Counseling) What trade organizations are you a member of? NFCC Debt Management Plan 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? All unsecured debt must be included in the debt management plan. Services How is the set up fee and monthly maintenance fee determined? what is the fee? Fees are based on state requirements. In NH, set up fees are prohibited. In Vermont, the set up fee is $35. Are there any creditors that you do not work with? Varies on the situation. Dell does not offer 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? Creditor send statements, quarterly, clients can call any time. Do you have a refund policy for unsatisfied customers? Clients can cancel at any time, but fees deemed up to that point are not 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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