Why should I register?
Being a registered user brings along a lot of benefits, some of which are listed below:
*Registered users can save their forms and access them at later times to either complete forms or update them.
*Gives you the ability to print forms at later dates to have for your personal records.
*Provides information faster to the counseling agency whether it's to set up an appointment or update forms for other counseling sessions.
*If you join a DMP it will give you access to your account online where you see balances, payments, proposal acceptance and more.
Thank you for registering.
Please read the following statements carefully so that you will understand the procedures for the counseling session. Initial the line next to each statement to indicate understanding of that provision. For simplification, the singular is used even when the plural may apply.
I understand the agency will provide a confidential comprehensive personal money management interview.
I understand that the fees for a pre-filing bankruptcy session are $50 for an individual or $75 for a couple attending the same session.
I understand that if my household meets low-income guidelines, the fee will be waived and the agency will provide services.
I understand that the interview will be conducted by a certified consumer credit counselor or qualified professional counselor. All action plans, not conducted by a certified consumer credit counselor, will be reviewed by a certified consumer credit counselor.
I understand that most of the agency funding comes from voluntary contributions from creditors who participate in Debt Management Plans (DMP). Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund our agency. These contributions are usually calculated as a percentage of payment you make through your DMP – up to fifteen percent (15%) of each payment received. However, your accounts with your creditors will always be credited with one hundred percent (100%) of the amount you pay through us. We will work with all your creditors regardless of whether they contribute to our agency.
I will be given a written assessment outlining a suggested client action plan which will be based on the following options:
· I will handle any financial concerns on my own.
· I may choose to enroll in the agency’s debt management plan. I realize the DMP is only one of several options and is not suitable for all clients. Our DMP’s serve the dual role of helping you repay your debts and helping creditors to receive the money owed to them. Once money is deposited with our service, it becomes the property of your creditors. If I choose to enroll in a DMP, I agree not to open any new credit accounts or incur any additional debt. While the agency may obtain a credit report and/or inform any credit reporting rating I receive. In certain circumstances, a debt management plan may affect my credit rating negatively. In the event that the counselor suggests a debt management plan, I will receive complete details of the operations, requirements, responsibilities, and DMP fees.
· A counselor may answer questions about bankruptcy, but not give legal advice. If I want legal advice, I will be referred for appropriate assistance. While an attorney can make a recommendation to file bankruptcy, it is a personal choice based on individual circumstance.
· I will be referred to the other services of the organization or another agency or agencies as appropriate that may be able to assist with particular problems that have been identified.
At sometime in the future, my information may be used for confidential research and/or a neutral third party may contact me to request an evaluation of the agency’s services.
I understand that in the event I am dissatisfied, I can contact the Director Jeff Witherspoon at 316-265-2000.
Our agency is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations. Your ‘personal financial information’, such as your total debt information, income, living expenses, and personal information concerning your financial circumstances, will be provided to creditors and, possibly others with your specific authorization.
The following PRIVACY PRACTICES detail circumstances under which we will release your information to a third party:
Get Started Now with DMS Online and Consumer Credit Counseling Service, Inc.
Consumer Credit Counseling Service, Inc. is dedicated to helping individuals who are struggling with debt. CCCS Inc. has over 25 years of non-profit experience in counseling and educating consumers who are in debt. We are here to help you get back on the road to financial freedom.
Our online credit counseling module is a free, convenient and confidential way to get started. You will be asked to enter information about yourself, which will assist us in better understanding how we may be able to help. After we assess the information that you have provided, a membe of our staff will contact you in order to complete the scheduling for your counseling session - either by phone or in person.
You will be asked to provide information on the following:
NOTE: It may be helpful to have items available such as pay stubs, bills related to household expenses, and creditor statements or a credit report.