From budgeting advice and suggestions for positive spending habits, to a creditor repayment plan, you and your counselor will work as a team to create a spending plan and determine the best plan to achieve your financial goals. Ultimately, your counselor has your best interest in mind.
One option your counselor may recommend is a Creditor Repayment Plan (CRP). A CRP is a partnership between you and CCCS to systematically pay down your outstanding debt through monthly deposits to CCCS, which will then be distributed monthly to your creditors.
By participating in a CRP, you may benefit from:
The negotiated interest rates and payment amounts you may receive on a CRP are based on the higher likelihood of repayment to your creditors due to more favorable terms.
* Services are offered without regard to ability to pay and services will not be withheld because of inability to pay. Fee waiver may be obtained in cases of specific hardship based upon income and must be verified by presentment of pay stubs and/or other proof of income.