 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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| Housing and Credit Counseling, Inc. |
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Background Other Business Names: HCCI, HCCI-KS Members of BBB: Yes Business Start Date: 1972 Number of Complaints to the BBB: 2 Summary of Business: Debt Consolidation,Debt Managementand Credit Counseling BBB Profile Trade Organization Memberships: NFCC, United Way 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 debt organization? Yes it is. Do you offer pre-bankruptcy credit counseling? Yes, they offer both pre and post bankruptcy credit counseling services. Are your counselors certified or accredited? If neither, how are they trained? Yes, the counselors are certified through the NACC and accredited through the COA (Council on Accreditation). What trade organizations are you a member of? NFCC and United Way Eligibility for Debt Management Plans Is there a minimum amount of debt to qualify? No, there is no minimum amount of debt required to qualify for the debt management plan. Do you deal with unsecured debt only? Yes, only unsecured debt can be enrolled in a person's debt management plan. Do you require that all of my accounts are included in the program? Yes, it is required that the client enrolls every account into their debt management plan. Services How is the set up fee and monthly maintenance fee determined? What is the fee? There is an initial counseling fee of $35. If the person is approved, there is a one time set up fee of $15, and a maintenence fee that ranges between $5-20 per month. The set up and maintenance fees are determined by the debt amount and budget of the client. Are there any creditors that you do not work with? No, the organization works with all creditors. 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 receive monthly statements from their creditors, quarterly statements from the organization, and have access to their statements online while they are enrolled in the debt management program. Do you have a refund policy for unsatisfied customers? Housing and Credit Counseling, Inc. does not have a refund policy and handles refunding on a case to case basis. (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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