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Frequently Asked Questions

Frequently Asked Questions


Will my credit be affected if I join the Debt Management Plan (DMP)?

If you are delinquent with debt payments when you join the Debt Management Plan (DMP), it should not have any additional impact on your credit rating. One of the benefits of joining a DMP is that many creditors are willing to report accounts current after the first 3 consecutive payments are made through the program. Clients who are consistent with payments and pay down debt through the program actually see an improvement in their credit rating by the end of their plan.

Helping people find real solutions to real problems.

Consumer Credit Counseling Service (CCCS): Consumer Credit Counseling Service provides consumers in Southwest Alabama with assistance in managing personal finances, both preventive - for those wanting to avoid serious financial problems and rehabilitative - for those who are experiencing financial problems.

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