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Frequently Asked Questions

Frequently Asked Questions


How do I know if my situation is severe enough to contact CCCS of Mobile?

If your household is experiencing more than three of the following warning signs, it's time to schedule an appointment with CCCS of Mobile:


  • You worry about money
  • You spend more than 20% of your take-home pay for credit payments, excluding mortgage
  • You are at or near the limit on your credit cards
  • You pay only the minimum amount due on you credit card accounts each month
  • You have received a phone call or letter about your delinquent account(s)
  • You are unsure of how much you owe
  • You have seriously considered taking out a consolidation/home equity loan to pay off your credit cards
  • You charge more each month than you make in payments
  • You do not think of credit cards as a form of debt
  • You are missing payments, paying late, or paying some this month and others next month ("robbing Peter to pay Paul")
  • You intentionally use overdraft/automatic loan features on checking accounts, take frequent cash advances, or use convenience checks on credit card accounts
  • You are using up savings to pay normal monthly bills such as groceries or utilities
  • You don't talk to your spouse about money, or...you talk only about money
  • You depend upon overtime, part-time pay, or bonuses to meet normal expenses
  • You have paid a bill with a post-dated check and/or payday loans

Helping people find real solutions to real problems.

Consumer Credit Counseling Service (CCCS): Consumer Credit Counseling Service provides consumers in Southwest Alabama with assistance in managing personal finances, both preventive - for those wanting to avoid serious financial problems and rehabilitative - for those who are experiencing financial problems.

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