 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 Southwest |
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Background 5515 E Grant Rd Suite 211 Tucson, AZ 85712 Other Business Names:CCCSSouthwest, Consumer Credit Counseling Services Southwest, a division of Money Management International 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: January 1958 Number of Employees: 4 Trade Organization Memberships: NFCC (Natioanl 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 pre-bankruptcy credit counseling? Yes Are your counselors certified or accredited? If neither, how are they trained? All CCCS of the Southwest counselors are certified by the NFCC What trade organizations are you a member of? NFCC Debt Management 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? Possibly. This mostly depends on the client's creditors because some may require that all unsecured accounts be included in the debt management plan to be eligible for interest rate reductions. Services How is the set up fee and monthly maintenance fee determined? What is the fee? According to the representative of CCCS Southwest, all fees are based on clients debt to income ratio. 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? Each client has online access to review account balances and payments. Do you have a refund policy for unsatisfied customers? Fees paid to Consumer Credit Counseling Southwest 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.
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... |