To reach your account manager:	1-800-942-9027 (toll free)
Number you give creditors to call us:	1-402-393-3100
Automated Account Updates (for clients and creditors)	1-402-391-0000
If you need to find a Western Union Dealer:	1-800-325-6000

If a creditor calls you, tell them you are now with a credit counseling agency and they should call 402-393-3100. Give them your client number and the name of your account manager.

Debit Card Processing Fee

Due to the cost of handling debit card transactions, we will now apply a 5% processing fee to all debit card transactions beginning March 15, 1999. This is to cover costs the credit card companies charge us for processing. We appreciate your understanding and cooperation in this matter.

Please contact your account manager if you wish to set up electronic fund transfer (EFT) payments or payroll deductions which are free!

From Mike Giangardella of Warren, Ohio printed in Wall Street Journal:

"I always cringe whenever we go out to eat and the three kids order soft drinks. We all know the margins on those. Therefore, I made a deal: The kids have the option of either ordering a soft drink or ordering water and receiving a dollar from me."

"The results have been great, especially on vacations when all meals are eaten out. The benefits are threefold: The money stays in the family, the kids learn to forgo present gratification and water is healthier for them." We’re adding a fourth benefit. You’re saving money because soft drinks usually cost more than $1.

Tax Time Again

It’s that time again when we file our taxes and anticipate that refund. For those of us lucky enough to receive a refund this year, let’s make that money work for us. Rather than going on that annual shopping spree, let’s invest in our futures. Our Debt Free Futures! Please contact your account manager to make arrangements to send all or some of your return as additional money to be applied to your debts. Then sit back, put your feet up and pat yourself on the back. After all you’ve just taken another big step in becoming debt free. Congrat-ulations!

However, if you owe the IRS, contact your account manager so we can include this debt in your program!

Remember -- our fee may be tax deductible! Talk to your accountant.

Check out our bookstore for more great reading on how to save money.

Defeat Debt with Credit Advisors!!