 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 Rochester, NY |
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Background 50 Chestnut Plaza, Suite 500 Rochester, NY 14604 Other Business Names: Consumer Credit Counseling Services of Rochester, CCCSofRochester Summary of Business: Credit Counseling, Educational Outreach, and Debt Management Number of BBB Complaints as of 7/17/08: 1 Members of BBB: Yes BBB Profile Business Start Date: January 1970 Number of Employees: N/A Trade Organization Memberships: 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 debt relief organization? Yes Do you offer bankruptcy credit counseling? Yes Are your counselors certified or accredited? If neither, how are they trained? All CCCS of Rochester counselors are Certified by the NFCC What trade organizations are you a member of? NFCC Debt Management Plan Eligibility Is there a minimum amount of debt to qualify? No minium total debt amount, but each account included in the debt management plan must be at least $100 Do you deal with unsecured debt only? Yes Do you require that all of my accounts are included in the program? Yes, but one account can be excluded from the plan for emergency purposes only 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 varies between $8 and $15. Note: monthly maintenance fees can be reduced by making automatic payments. Are there any creditors that you do not work with? Some credit card companies, collection agencies, and attorneys may not offer concessions, but CCCS of Rochester will still consolidate payments for these creditors and act as a bill-paying service. How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online? Clients are given pin numbers and ids to access their accounts online. Do you have a refund policy for unsatisfied customers? Clients can cancel at anytime, but fees are non refundable. (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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