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Debt Management
Plans
Our Credit
Counseling Service should not be confused
with other debt counseling services that might charge as much as
$50.00-$250.00 per month for their services. The Debt Management Plan
(DMP), is not a loan, but a way to repay the groups to
which you owe money.
There is a one-time set-up fee of $15,
then $5 per creditor per month, up to a maximum of $20 per month for the
Debt Management Plan. At your session, a certified counselor
will analyze your personal financial information such as monthly income,
expenses, and debt. If your credit problems are severe and there is
steady income, the counselor may set up a debt management plan for the
orderly liquidation of debt; this option is a viable alternative to
bankruptcy.
Our
counselors can set up and manage debt repayment
plans that can possibly reduce or stop interest payments, late fees,
over limit fees, make your account current, and get you back on track.
This program serves the dual role of helping the client repay their
debts and helping the creditors receive money owed them.
Since 2001, HCCI has partnered with
CCCS of Greater Denver to provide software and fulfillment services to
our agency. Payments to your creditors as well as other items are
actually processed in the CCCS of Greater Denver service center. CCCS
of Greater Denver has provided excellent service to our agency.
We are pleased to inform you that HCCI
is expanding its partnership with CCCS of Greater Denver. Effective May
1st, 2007 all aspects of your account will be serviced and
managed by CCCS of Greater Denver. You are welcome to come to our office
for follow-up appointments, of course, but the day to day details of
your account will be handled by CCCS of Greater Denver. HCCI takes pride
in continuing excellent personal customer service and local presence.
Effective May 1st, 2007
please call CCCS at 1-(800)-479-7117 for any questions or concerns
regarding your account. You may also reach the Denver Service Center by
fax at 303-632-2103 or by email at ClientServices@CCCSDenver.com. Your
creditors may contact the Denver Service Center at 303-632-2227. The
Denver Service Center mailing address for payments and other
correspondence is:
CCCS, PO Box 378050, Denver, CO 80237,
or:
CCCS,
10065 E. Harvard, #210, Denver, CO 80231
You will enjoy several benefits with this operational change. They
include live customer service from 7:30 a.m. – 6:00 p.m. Central time;
Internet and automated phone account information is available 24 / 7;
daily disbursement of your electronic funds to creditors and twice
weekly paper remittances; multiple ACH withdrawal dates available; and
17 credit counselors available and standing by to assist you with your
Debt Management Plan. I think you’ll like the improvements these
services offer you.
If you currently remit your payment to
CCCS by ACH (automatic withdrawal from your bank account) or would like
to, it is necessary that you complete a new ACH withdrawal form and
submit it to the Denver Service Center as soon as possible. The last
withdrawal date by HCCI for ACH payments under the current arrangement
will be April 16, 2007.
Until your new ACH form is
received and processed by Denver, it is necessary that you remit all
payments to Denver by money order or cashier’s check!! The
Denver office will notify you in writing of your first scheduled
automatic withdrawal date!! You will not be able to bring/send DMP
payments to the HCCI office, mail to the PO Box or drop off at Huntoon
Dillon’s after April 30th, 2007 as the trust account in HCCI
will be closed, leaving us no place to deposit
your funds. |
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