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Consumer Credit Counseling Service

The Consumer Credit Counseling Service (CCCS) is a professional service corporation created under the laws of the state of New York and its agencies and officers. CCCS serves mainly as a service consumer organization, consumer reporting company for the state and national consumer reporting companies and information technology companies. CCCS also provides Consumer Counseling Service (CCCS) to local law enforcement and other creditors who are in the process of obtaining information regarding debt and related legal problems.

The term ‘consumer credit counseling’ is used as a marketing term to describe services provided by credit counseling agencies who work with creditors and with nonprofit credit counseling agencies to help consumers in developing a debt-free, financially viable lifestyle. There are some differences between the two types of agencies:

‘The agencies work with or in conjunction with a nonprofit credit counseling program.

‘Before you begin your counseling appointment, most will ask that you complete and return a copy of your financial responsibility report and any other supporting documents such as reports on your credit report, income, assets, and banking and line of credit information. You may agree to pay a fee for a professional agency or counseling. The fee should cover each additional time you agree to provide information about your credit report, your income, the status of your accounts and your credit score to the agencies. For more information on how to contact a professional credit counseling service, or to find a free professional agency, visit or call toll-free 877-322-8228.

‘One time fee. Although it may be free, these services are generally limited to providing a short-term counseling service on your behalf. If you need more services, you may be contacted directly by a professional agency. You may also be contacted directly by an outside organization, such as a credit counseling program or a legal referral service, if those organizations do not provide reasonable representation to you due in writing, within 60 days of receipt of any writing amendment or cancelation request.

After you complete the services you will receive a fee for your initial consultation, either a written explanation of the services you received, how and why you agreed to represent yourself and your financial situation to the agencies or your representatives, and a copy of your budget or spending plan. This fee is payable each time the agency or counseling service agrees to pay any amounts for the services. To learn more about the services and how you can get a free consultation, visit the web site of the agency, and check out the terms and conditions.

College Students Often Pay Penalties For No Credit Cards

College students frequently have no access to any sort of credit cards and are subject to some serious problems with credit card debt. As a result this article is designed to help students at risk about the dangers of no credit cards.

Not many of us are aware of the financial ramifications of having no credit cards, but many of us, including myself, are not alone. As a result many more people all over the world are being hit with credit card debt. Not only are there large numbers of people living with what I have referred to as “stolen funds,” but there are a variety of companies offering credit repair services. In my experience as a service provider, I have seen thousands of results after the initial consultation. Many individuals have experienced financial troubles with credit cards in the form of short-term problems, missed payments or collections, and many experienced problems gaining access to credit after the service providers have attempted to get access to existing debts.

One of the most common reasons given for the problems experienced by students with credit cards is a lack of self control. Not only do the numbers of people with just one account drop precipitously when all is said and done, but many fall into the same debt pattern as did me and many others: reaching for nothing, ever, ever. I believe this is why so many people end up into financial disaster with their accounts. A person who cannot achieve financial success will look back and find themselves in the same spot where his early problems ended before he could even raise his hand to show credit for the payment of his bills.

Many people who have experienced financial problems, most understandably, are upset because they are being treated like second-class citizens. But it is my belief that many also feel this way because we all reap the benefits of being treated this way. What we are told isn’t ‘adventurous’ behavior, and that is a disaster waiting to happen.