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.
If the letters PIF appear next to a payment amount on your client statement,
our records indicate this creditor account is now paid in full. This means we will
not be sending future payments to the PIF creditor. Please review your
creditor statements very carefully to verify that the PIF amount did
indeed pay the account in full.Send us a copy of your billing statement if your
creditor stills shows a balance is due on the account.
End of Month Processing
Your money order or Western Union payments must be in our office by 2 PM (CST) October
25TH to be processed for end of month. NO personal checks, thank you!
If you need to make a change to your EFT payment, send WRITTEN NOTICE to us
no less than 10 business days prior to your pull date. Our fax number
is 402- 393-4141.After faxing, wait 30 minutes then call us to verify your request
has been received.
You money order or Western Union payments must be in our office by 10 AM July 20th
to be processed for end of month.NO personal checks, thank you!
Please be advised, in the event an electronic funds transfer (EFT) or bank account
has one of the following challenges, a charge will be assessed to your CA account.
Benjamin Franklin once said, Beware of little expenses; a small leak
can sink a great ship.
Enclosed are some ways to plug holes in your budget and enrich your pocketbook.
Most are pretty painless and dont require any real sacrifice.
(The whos who and the whats new in the creditor world of today!)
BEWARE - MISSING A PAYMENT ON YOUR COUNSELING PLAN CAN RESULT IN DEVASTATING CONSEQUENCES.
MANY CREDITORS HAVE BEGUN IMPOSING STRICTER PAYMENT POLICIES IN HONORING SPECIAL
BENEFITS TO CREDIT COUNSELING CUSTOMERS. FOR EXAMPLE, SOME CREDITORS REQUIRE THE
AGREED UPON MONTHLY PAYMENT BE MADE TO THEM WITHOUT FAIL ONCE THEY HAVE ACCEPTED
A CREDIT COUNSELING PLAN.IN SOME CASES, CREDITORS ARE SUSPENDING COUNSELING BENEFITS
IN THE EVENT YOU DONT MAKE YOUR SCHEDULED PAYMENT TO US, THESE CREDITORS MAY
REVOKE ANY BENEFITS THAT WERE GRANTED TO YOU.THIS MEANS THE CREDITOR WILL GO BACK
TO CHARGING YOUR ACCOUNT AT THE HIGHER INTEREST RATE.LATE FEES AND OVER LIMIT CHARGES
WILL ACCRUE AGAIN AND THEY MAY REPORT NEGATIVELY AGAINST YOU TO THE CREDIT BUREAU.
Please e-mail, fax, or mail us copies of your creditor statements every three months.
Check out our bookstore for more great reading on how to save money.