Information For New Clients
Please read the information package that we mailed to you. We also suggest that you keep it for future reference.
It's very important to remember to monitor your monthly statements to make sure you're receiving the proper benefits.
It's completely normal to receive calls from your creditors after making your first payment. Give them Christian Credit Counselors Servicing Department number: 1-513-562-8700 (National Clients). Christian Credit Counselors will confirm that you are enrolled in our program.
Please call all your creditors and inform that you are currently enrolled in the Christian Credit Counselors debt management program. We also ask that you change your cycle dates to the date your counselor instructed you.
Policies and Procedures
- The service provided by Christian Credit Counselors (CCC) is FREE. However, CCC does ask for a $20.00 tax-deductible monthly donation to cover servicing costs.
- CCC does not charge a Setup or Cancellation Fee.
- CCC does not prohibit clients from seeking other credit counseling agencies or services that are alternatives to the CCC debt management program. Client participation in our program is voluntary and can be cancelled at any time by the client.
- Clients need to address any questions regarding their account after initial setup to the Customer Service Department, which is open from 7am-4pm Pacific Standard Time, Monday through Friday.
- CUSTOMER SERVICE DEPARTMENT: 1-800-305-3328
- Payment needs to be made at the appointed times to CCC for the bills to be paid on a timely basis.
- Payment disbursements are made to the creditors on the Tuesday following receipt of your payment. If your payment is being made through automatic withdrawal, CCC waits five business days for it to clear, and then it is paid to the creditors on the Tuesday following the five day hold period. The only exception is for Holidays celebrated on Monday, then payments would be disbursed on Wednesdays.
- A two-week written notification is required to make any changes to an automatic withdrawal.
- Each client needs to mail their statements to CCC every three months after entering the program, so that CCC can monitor the progress of the account. CCC does not receive client statements from creditors.
- Reduction in the finance charges will not be made until the proposals have been accepted. Normally 30-90 days is required for the proposals to be accepted.
- If creditors call, clients are to provide their client number, CCC's non-toll free number, and direct them to contact CCC with any payment questions.
- CREDITOR SERVICING DEPARTMENT: 1-513-562-8700
- Clients should not set or arrange payments outside the program without discussing it with CCC.
- Each client is responsible for checking their monthly CCC statement with the monthly statement from the creditors, If there are any differences between the two clients, they need to contact CCC immediately.
- Any changes in employment, income, or address should be updated with CCC as promptly as possible.
- The payments to each creditor on the application are based on the information provided by each client. After contacting the creditors, the payment may need to be adjusted based on the current balance.
- CCC does not accept Personal Checks.
- All creditor accounts handled by CCC are closed.
Creditor Statement Inquiry*
Please Read Carefully
During the initial 30-day negotiation period, we sent your creditors proposals. This form should be submitted only after the negotiation process is complete. It's important to check your statements each month after negotiations are completed to ensure payments are posting with your creditors. It may take up to 3 months for some creditors to re-age your accounts and show benefits. You may receive calls from collectors or receive past due notices until your account is brought current. If correct benefits are not being given after 3 months, complete the bottom section of this form immediately. If you are unsure when benefits should start showing on your statements, call Customer Care at 1-800-305-3328. If you're being charged late fees after your account has been brought current, it may be necessary for you to contact your creditor to adjust your due date. Please call your Customer Care representative at the above numbers to get more information on how to do this.
REMINDER: EARLY, LATE OR MISSED PAYMENTS can cause problems with your creditors. Please make payments on or just before your due date each month.