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.

When you get written notice from your creditor that your account was bought or sold, please get a copy of that notice to your account manager. This is very important!

Please fax or mail copies to us as soon as possible so payment can go to the correct address. We rely on you because creditors don’t mail notices to us.

How do high taxes hurt many families?

Taxes consume an all-time high amount of American income. The Tax Foundation says the average family must work until May 10 just to earn enough to pay its tax bill. That’s up from April 9 four decades ago.

That means we are losing an extra month of income. Many families must cut back in other areas to cover the tax bill.

Lower-income families are most hurt by high tax rates. They’re the ones who’ve really stopped savings. ~ Investor’s Business Daily ~

Congratulations on taking the right steps with Credit Advisors to get your debts under control! When your debts are under control your next step can be to increase your savings.

“Discover Financial Services will no longer verify balances or last payment dates for Consumer Credit Counseling offices.” Discover requests verification be done through client monthly statements.

They ask that statements be reviewed within three months of the program starting to ensure all necessary account adjustments have been made by Discover. Please mail your Discover statements to the attention of your account manager!

Discover has also changed their policy regarding who can call to dispute overlimit and late charges. They will only deal DIRECTLY with the client. If you call Discover, please tell them this policy should be immediately changed back to dealing with agency representatives.

Credit Advisors will begin pulling credit reports through Credit Data for all active clients. Reports will be pulled every quarter. This will help us monitor your credit report for errors during the course of your consolidation program.

Also, all active clients will have a credit report on file prior to the end of 1999. We’ll have your report on paper in case creditors have Y2K troubles.

These reports will be pulled at a cost of only $10 not the usual $19.99. That’s only $3.33 a month for the quarter!