When YOU send
timely payment in full to us,
we send payments to your
Please give your account manager enough time to change your EFT status because,
when an electronic funds transfer (EFT) or bank account have the following challenges
there are charges assessed by CA:
PRINT & POST ON REFRIGERATOR OR PASTE IN YOUR PHONEBOOK
Your client # is listed on your statement.If a creditor calls you, tell them you
are now with a credit counseling agency.Give them your client number and the name
of your account manager. Do not give creditors the toll free numbers! Give them 402-393-3100.
Nobody likes paying taxes, but should you let the government have more use of your
money? If you get a sizeable refund every year, it’s costing you money. You
are really paying too much in taxes out of each paycheck, the government uses your
money until you file a completed tax return and you could be earning interest on
your own money all the while!
Think the refund forces you to save? Maybe, but you’re missing the chance to earn
interest. You could use automatic payroll deduction for savings options to force
you to save. Let the IRS deposit the refund to your savings account for quicker
refund. Contact your account manager and use that refund to pay down your debt even
Make the most of your employee benefits program. If you have a 401(k) program available
it can help you protect part of your earnings. Contribute as much as you can from
every paycheck. It gives you tax-free savings, reduces your taxable income and that
may move you to a lower tax-bracket, saving you even more money.
Does your employer offer flexible spending plans? This plan allows you to set aside
pre-tax money from your paycheck to pay for certain childcare of medical expenses
not covered by insurance. You use tax-free money to pay these expenses!
Talk to your tax prepare. Taxes are now the single largest annual expense for the
average American family, surpassing automobile, food and even housing costs. Take
control of as much as you can!
Debit card looks like a credit card. When you use a debit card you are making a
purchase, not buying on credit. The creditor will take money directly out of your
There are two kinds of debit card transactions:
Every time you make a purchase with your debit card, the merchant pays your bank
a fee. The banks collect more when you shop offline.
Debit card use is growing at 30 percent to 40 percent a year. So banks do not want
to kill this growth area, but they may charge fees when this growth area matures.
Some banks are already charging 50 cents per transaction if your balance is below
a certain amount. Make sure you read ALL the fine print when you sign up for a debit
Washington Post Writers Group
Credit Report Repeat . . .
Credit Advisors will pull 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.
We need to hear from you about creditor statement balances! Please call or send
copies of ALL your creditor statements if you didn’t last month. Thank you!