Consumer Credit Counseling Benefits
There are a lot of advantages in working with CCCS.
Here are just a few:
Frequently Asked Questions
- Counseling is free and confidential!
- More than 40 years experience in helping, people just like you.
- Work with certified, trained counselors.
- Avoid bankruptcy! Consolidate unsecured debt into one affordable monthly payment.
- Stop harassing phone calls from your creditors.
- Save thousands of dollars in interest payments.
- Improve your credit rating.
- Free budget and debt management information.
- Payoff credit card debt and all your bills.
- Eliminate late fees and penalties.
Here are the answers to some of our most frequently
Does Consumer Credit Counseling loan money?
No. CCCS does not
loan money to consumers or clients. Using our Debt Management Program, we simply
negotiate with creditors on your behalf to work out a new payment arrangement,
possibly at a reduced interest rate, and disburse the payments for you to each
How can I make a Voluntary Contribution to CCCS of Western PA?
wish to make a tax-deductible voluntary contribution, please send to: CCCS of
Western PA 2403 Sidney Street Pittsburgh, PA 15203.
How long will it take to pay
off my credit card debt?
Without our help it may take 10+ years to pay off a
consumerís average debt amount when only making minimum payments. CCCS of
Western PA can develop a debt management program, which is designed to payoff
credit card debt within 3 to 5 years.
If I am still current on my bills, can you
still help me?
Yes, creditors respect that you have taken responsibility of your
debt and are attempting to correct any problems before they turn into a major
What type of debts can you help me with?
Consumer Credit Counseling
Service will help you to take control and eliminate credit card debt, medical
bills and unsecured personal loans, retail store and gas cards using our Debt
Can I still use my credit cards?
We do not recommend that
you continue to use your credit cards. It will be very difficult to make any
type of commitment to eliminate your debt and incur new debt at the same time.
Also, the creditors that are on our Debt Management Program may decline or close
Can you help me file bankruptcy?
If bankruptcy is your only
choice, we can assist by providing the required bankruptcy counseling and
bankruptcy education class, but bankruptcy is a legal process and you will need
to seek the services of a bankruptcy attorney to help you through this process.
CCCS of Western PA is an alternative to bankruptcy. This is why your creditors
are able to work.
Does your service affect my credit report and credit score?
Most of your creditors appreciate and acknowledge that you have taken the
correct steps to control your debt. Some creditors may flag your credit report
as being managed by CCCS of Western PA. Consumer Credit Counseling will not
notify any reporting agency about your accounts.
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