 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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| Consumer Credit Counseling Center of Idaho |
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Background 1113 Main Street Lewiston, ID Other Business Names: CCCS of Northern Idaho, CCCSNID 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: NFCC (National Foundation for Credit Counseling ) 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? NFCC certified What trade organizations are you a member of? NFCC Eligibility for a Debt Management Plan Is there a minimum amount of debt to qualify? No Do you deal with unsecured debt only? Yes, mainly. Do you require that all of my accounts are included in the program? Depends on the creditor and the client's situation, some creditors may refuse benefits to clients if they keep out certain accounts Services How is the set up fee and monthly maintenance fee determined? what is the fee? Consumer Credit Counseling of Northern Idaho has an initial set-up fee of $20.00 and a monthly fee which is $5 per $100 of your payment (capped at $40.00). Are there any creditors that you do not work with? No 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 mailed to clients and CCCS of Northern Idaho is in the process of creating online access. Do you have a refund policy for unsatisfied customers? No, but client can cancel at any time. (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.
If, however, a... |
The dismal economy is having an adverse effect on people around the globe with millions facing tremendous amounts of debt. For many, escaping their debt seems like a far off dream but it doesn't have to be! By applying a few simple guidelines to your spending habits, you can begin to reduce credit card... |