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Consumer Credit Counseling Service of the Savannah Area, Inc., offers help with budgeting, money management and credit issues to south Georgia and the Low Country of South Carolina. Our counselors take the time and effort to thoroughly understand your situation and provide you with specific advice. We will work with you to develop a personal budget by analyzing your income, expenses and creditor obligations. As a team, you and your counselor will meet in person to work together drawing up a budget plan and plan of action for you to become debt free and achieve your financial goals. DEBT MANAGEMENT PLANS A Debt Management Plan is to aid you in resolving your credit problems and rid yourself of debt. You and your CCCS certified credit counselor will work up a plan, proposals will be sent to each of your creditors proposing a payment schedule, and you will make a single monthly deposit with CCCS. CCCS will monthly disburse your payment to your various creditors. As long as you abide by the agreement negotiated between you and your creditors, your creditors will be happy to work with you. You should make your monthly payments on time and in the agreed upon amounts. All payments to CCCS are by certified bank check or money order. BUDGET COUNSELING CCCS offers counseling on budgeting, money management and credit issues on a one to one basis in our Savannah, Statesboro, Brunswick, and Hinesville, Georgia offices as well as in Beaufort South Carolina. CCCS helps you understand your obligations, create a livable budget. For most people the word budgeting means late nights, confusing numbers, and lack of progress. According to one national bank, most Americans believe they have a better chance of winning the lottery than saving for financial security. Yet, if you want to be financially successful, budgeting is not an option. It must be made a priority because no one cares more about your money than you! Why does budgeting matter? Money is a tool that enables you to reach your goals in life, but until you know where your money goes, you can’t make conscious decisions about how to use this tool effectively. A budget shows you exactly where your money goes and provides a spending plan that lets you save for the things that are important to you: a new house, a new car, a comfortable retirement, a college education, travel, or whatever your particular goals and dreams happen to be. If you jump into budgeting without a positive attitude, chances are high that you will give up before you see the difference a budget can make in your life. Work on your attitude! It’s like the difference between going on a diet and eating healthy. One is negative and restrictive; the other is positive and allows you to indulge now and then and still achieve your goals. Debt Warning Signs Are you in a Credit Emergency? Ask yourself these questions: 1. Are you arguing with your spouse over bills? 2. Is an increasing percentage of your income being used to pay off debts? Are you near or at the limit of your lines of credit? 3. Can you only make minimum payments on your revolving accounts? 4. Are you extending repayment schedules-paying bills in 60 or 90 days that you once paid in 30? 5. Are you chronically late in paying your bills? 6. Are you borrowing to pay for items you used to buy with cash? 7. Do you put off medical or dental visits because you can't afford them right now? 8. If you lost your job, would you like to be in immediate financial difficulty? 9. Are you threatened with repossession of of your car or credit cards, or with other legal action? 10. Do you know you total debt, or are you afraid to add it up? **If you said "yes" to any of the above questions, you could be in financial difficulty and should take steps to re-examine your priorities, budget, and credit obligations. Complete our Online Application for Counseling Services |
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