Avoid Bankruptcy : Stop Creditor Calls: Save Interest

	Benefits There are a lot of advantages in working with CCCS. Here are just a few: 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. Pay off all your bills. Eliminate late fees and penalties. Frequently Asked Questions Here are the answers to some of our most frequently asked questions: Can you loan me money? No. CCCS is not a finance company or loan service. 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 creditor. How can I make a Voluntary Contribution to CCCS of Western PA? If you 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 debts? On your own it may take 10 or more years to pay off average debt amounts when making only minimum payments. CCCS of Western PA can devise a plan designed to significantly reduce or eliminate most debt within 3 to 5 years or less. I'm only a little behind on my bills, can you still help me? Yes, creditors will respect the fact that you've taken responsibility early and are attempting to resolve the problem before it becomes a major concern. What kind of debts can you help me reduce? Our debt management program will help you to reduce or eliminate debts created by major credit cards, retail store and gas cards, medical bills and unsecured personal loans. Will I still be able to use my credit cards? No. You can not make a commitment to get out of debt and incur new debt at the same time. In addition, your creditors that participate in the Debt Management Plan (DMP) may close your accounts. Will you help me file bankruptcy? No. Bankruptcy is a legal process and you will need to seek the services of a bankruptcy attorney. CCCS of Western PA is an alternative to bankruptcy. That's why creditors are willing to work with us. Will your service affect my credit report? Most creditors will acknowledge and appreciate that you've taken steps to eliminate your debt. Some may flag your report as being managed by CCCS of Western PA. CCCS of Western PA will not notify any reporting agency about your accounts. or call 1-888-511-CCCS and get on the road to financial recovery!