New Client Information Page
CONGRATULATIONS! by signing up with Credit Advisors you have taken a positive step in the
control of your financial destiny. From now on we will be helping you gain control of your
finances, not the other way around.
Your Client Number: SEE YOUR STATEMENT
Your Phone Number: 1-800-766-3328 (Toll
The Creditor's Number: 1-402-393-3100 (for
them to call us)
Western Union Dealer Locator: 1-800-325-6000
YOUR CLIENT NUMBER - If
a creditor calls you, tell them you are now with a consumer credit counseling agency and
that they should call 402-393-3100. Make sure to tell them your client number.
WHAT TO EXPECT THE FIRST 90 DAYS - The
first 90 days are the toughest! You've got to be patient and make all your payments on
time every time!
Making all your payments on time is very important and timely payments are
crucial; If you miss a payment with us the creditors will continue to call or send
harassing letters. This is very frustrating if you're just getting started with us. We
can't do our job if you don't send in full payments every time.
When you sign up with Credit Advisors we send out notice to all your
creditors call "proposals". These go out from one to two days after you make
your first payment. Warning! It is not uncommon that some of your creditors will claim
they never received a proposal from us. Sometimes one of your creditors will need to be
sent 2 or 3 proposals for the plan "to stick". If a creditor calls you and says
they never heard of us, (even though we may have sent them a proposal or two) get their
name and their fax number.... we'll immediately fax them a proposal for you.
Will my payments ever have to change? The amount of your payment plan was
based on a number of factors, among them being your total indebtedness as well as the
types of debt you have. Although it's relatively rare, we will sometimes have to raise
your payment, but usually only by a few dollars.
CHECK YOUR STATEMENTS-
Usually after 45 days, most of your credit card statements will show that you're
accepted on their credit counseling plan. Usually after 3 months you'll notice
interest reductions on your credit statements (if the creditor offers interest
reductions). Look at your statements to verify balances every month. If something looks
unusual please let us know. Help us to help you. The first 90 days, take careful note of
how each creditor responds to the proposed plan.
Funds Transfer or Checking Account Deduction) - If you've signed
up with EFT that's great. If you haven't, it's absolutely critical that you get your
payments to us on time. If you have a checking account, signing up with EFT is mandatory.
If you don't we suggest that you open up a checking or savings account so we can start
WESTERN UNION- If
you're late with a payment or if your EFT bounces, you'll want to go to your nearest
Western Union Office to make a payment. Ask for the blue quick collect form. It will ask
you for the "code city". The code city for Credit Advisors is BENEFIT, NE.
After you make your payment to the Western Union Office we receive certified funds
in our office minutes after you send it! If you don't know your nearest Western Union
office you can call them at 1-800-325-6000.
YOUR CREDITORS- We've
been in business for over 40 years and work with all your creditors. We have most creditor
address on file but it is very important that you provide us with correct address and
account number information for each and every creditor.
If you are getting calls from your creditors, chances are you're
running pretty late on your bills. Simply tell the collector that you are now enrolled in
a credit counseling agency and that they should give us a call at 402-393-3100. Most
collectors are happy to hear that you're now in counseling. However, occasionally you'll
encounter a nasty creditor that claims they won't take payments from us. Get the person's
name and number and we'll give them a call.
Do not give in to any collector pressure and pay them directly. Doing so
will cause you to be dropped from he counseling program. You must be firm but polite to
any collector. They must work through us if they are to receive any money.
Do not give the creditors your toll free number. We have to refer these
calls back to you if they come in on this line.
WARNING! If you
haven't signed up with EFT or payroll deduction and you miss a payment, we can't be
held responsible if creditors still call you. So please, make all payments on time!
AGAIN, CONGRATULATIONS AND WELCOME TO