Company Profile
About Us
Our People
Client Success
Community
Affiliates
Disclosures
Our Services
Debt Management Plan
Budget Analysis
Credit Counseling
Personal Finance Education
Housing Counseling
Bankruptcy Counseling
Divorce Counseling
Financial Education
Frequently Asked Questions
FTC Articles
CCMS Newsletters
Tools & Calculators
Other Links
Individuals who are experiencing financial difficulties may be eligible for help through CCMS's debt management plan.
Most creditors provide financially distressed clients the following direct benefits through the debt management plan:
Lower monthly payments
Lower interest rates
Suspension of late and over limit fees
Account re-ages after several consecutive monthly payments
Discontinuation of collection calls
For consumers that are currently past due on their accounts the debt management plan will provide the immediate benefits of lower payments, late and over limit fee suspension and account re-ages. These benefits provide our clients with a fresh start on paying their accounts and enable them to avoid collections, charged-off accounts and possible bankruptcy. The biggest long-term benefit of the debt management plan is the reduction in interest charges. Reduced APRs allow our clients to pay off their accounts faster while saving them possibly thousands of dollars in finance charges.
In order to determine your eligibility for debt consolidation you can fill out an online budget and application form or contact a CCMS credit counselor at
1-800-920-2262
. A CCMS credit counselor will review your budget information with you to determine the best course of action in improving your financial situation. All counseling consultations are free and strictly confidential.
Your CCMS debt management plan begins upon your first payment to CCMS. CCMS will initiate your debt management plan by sending letters of proposal to your creditors and disbursing your payments to them. Each month, you would make one payment to CCMS for all of your accounts and CCMS would, in turn, disburse your payments to your creditors. The debt management plan is typically configured so that you can pay off your accounts within five years if you make the minimum payments.
Credit Card Management Services currently accepts clients from most of the states and the Commonwealth of Puerto Rico. We comply with all state licensing requirements and ensure state mandated regulations are followed. Some states have enacted legislation which precludes CCMS from accepting new clients, however, we will be happy to refer residents from these states to other, qualified, AICCCA member agencies. Please call
1-800-920-2262
or email us at
counseling@debthelper.com
for more information regarding individual state regulations.
States We Participate Currently
States We Do Not Participate Currently
ALASKA
ARKANSAS
CALIFORNIA
COLORADO
CONNECTICUT
DISTRICT OF COLUMBIA
FLORIDA
GEORGIA
HAWAII
ILLINOIS
INDIANA
LOUISIANA
MASSACHUSETTS
MISSISSIPPI
NORTH CAROLINA
NORTH DAKOTA
NEW MEXICO
OHIO
OKLAHOMA
OREGON
PENNSYLVANIA
SOUTH DAKOTA
TENNESSEE
TEXAS
WASHINGTON
WEST VIRGINIA
WYOMING
ALABAMA
ARIZONA
DELAWARE
IOWA
IDAHO
KANSAS
KENTUCKY
MARYLAND
MAINE
MICHIGAN
MINNESOTA
MISSOURI
MONTANA
NEBRASKA
NEW HAMPSHIRE
NEW JERSEY
NEVADA
NEW YORK
RHODE ISLAND
SOUTH CAROLINA
UTAH
VIRGINIA
VERMONT
WISCONSIN
Home
Site Map
Help Desk
Privacy Policy
Contact CCMS
Copyright ©2006 Credit Card Management Services [ All Rights Reserved ]
4611 Okeechobee Blvd. Suite 114, West Palm Beach, FL 33417
|| Phone: 561-472-8000 || Toll Free: 800-920-2262 || Fax: 561-844-0406 ||