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Frequently Asked Questions

Frequently Asked Questions


Is the Debt Management Plan (DMP) an alternative to bankruptcy?

In many cases, consumers who thought their only option was to file bankruptcy were surprised to learn that the better option was to join the Debt Management Plan (DMP). Filing bankruptcy will damage your credit and if you are able to obtain credit at all, the interest you pay will be higher than for those who maintain a good rating. Filing bankruptcy can also prohibit you from obtaining employment or insurance at reasonable rates. While bankruptcy cannot be avoided in all instances, many clients who choose to repay their debts rather than file bankruptcy are able to enjoy the feeling of "not taking the easy way out" and setting a good example for their family.

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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