Credit Counseling Service - Revision history

Cicpbuchanan at 22:23, 28 March 2012

2012-03-28T22:23:25Z

← Older revision		Revision as of 22:23, 28 March 2012
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	<p>CCCS offers one free counseling session. Call 1-800-388-2227, for additional locations. Nationwide number will automatically route you to the nearest office by zip code.</p><br>		<p>CCCS offers one free counseling session. Call 1-800-388-2227, for additional locations. Nationwide number will automatically route you to the nearest office by zip code.</p><br>
-
-
-	~~'''FIFTEEN MAIN CCCS OFFICES WITH OVER 90 BRANCH AND SATELLITE OFFICES:'''<br>~~
-
-
-	~~'''Kern and Tulare Counties'''<br>~~
-	~~Bakersfield, CA<br>~~
-
-	~~'''Central Valley, Inc. '''<br>~~
-	~~Fresno, CA<br>~~
-
-	~~'''Los Angeles'''<br>~~
-	~~Los Angeles, CA<br>~~
-
-	~~'''Twin Cities'''<br>~~
-	~~Yuba City, CA<br>~~
-
-	~~'''The East Bay'''<br>~~
-	~~Oakland, CA <br>~~
-
-	~~'''The North Valley'''<br>~~
-	~~Redding, CA<br>~~
-
-	~~'''Inland Empire'''<br>~~
-	~~Riverside, CA<br>~~
-
-	~~'''Sacramento, Inc.'''<br>~~
-	~~Rancho Cordova, CA<br>~~
-
-	~~'''San Diego and Imperial Counties'''<br>~~
-	~~San Diego, CA <br>~~
-
-	~~'''San Francisco'''<br>~~
-	~~San Francisco, CA <br>~~
-
-	~~'''Santa Clara Valley, Inc.'''<br>~~
-	~~Santa Clara, CA<br>~~
-
-	~~'''Orange County'''<br>~~
-	~~Santa Ana, CA<br>~~
-
-	~~'''Mid-Counties'''<br>~~
-	~~Stockton, CA<br>~~
-
-	~~'''Ventura County, Inc.'''<br>~~
-	~~Ventura, CA<br>~~
-
-	~~'''The North Coast'''<br>~~
-	~~Arcata, CA<br>~~
-


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	(800) 952-5548 (TDD in CA)<br>		(800) 952-5548 (TDD in CA)<br>
	(916) 327-5564 (TDD Out of State)<br>		(916) 327-5564 (TDD Out of State)<br>
-	[http://www.~~caaq.state~~.ca.us/ '''www.~~caag.state~~.ca.us''']<br>	+	[http://www.oag.ca.gov/ '''www.oag.ca.gov''']<br>

Cicpbuchanan at 22:21, 28 March 2012

2012-03-28T22:21:48Z

← Older revision		Revision as of 22:21, 28 March 2012
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	'''<font color="#4AA02C">Consumer Credit Counseling Service</font color="#4AA02C">'''<br>		'''<font color="#4AA02C">Consumer Credit Counseling Service</font color="#4AA02C">'''<br>
-	~~4636 Watt Ave. Ste # 200~~<br>	+	1750 Howe Avenue, Suite 125<br>
-	~~North Highlands~~, CA ~~95660~~<br>	+	Sacramento, CA 95825<br>
	(800) 736-2227<br>		(800) 736-2227<br>
		+	(804) 526-8271<br>
	[http://www.bydesignsolutions.org/ '''www.bydesignsolutions.org''']<br>		[http://www.bydesignsolutions.org/ '''www.bydesignsolutions.org''']<br>

Cicjscribner at 16:38, 23 September 2010

2010-09-23T16:38:45Z

← Older revision		Revision as of 16:38, 23 September 2010
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	'''(Civil Code §§ 1789.10, 1789.26.)'''<br>		'''(Civil Code §§ 1789.10, 1789.26.)'''<br>

-	<p>A professional nonprofit credit counselor can help consumers manage and reduce their debt. The Consumer Credit Counseling Service (CCCS) ~~is one such nonprofit organization. The CCCS~~ has 450 offices nationwide offering personal financial counseling, credit, and debt management counseling. CCCS also assists consumers in removing fraudulent claims from a credit report, and acts as a liaison between creditors and consumers to establish repayment schedules.</p><br>	+	<p>A professional nonprofit credit counselor can help consumers manage and reduce their debt. The Consumer Credit Counseling Service (CCCS) has 450 offices nationwide offering personal financial counseling, credit, and debt management counseling. CCCS also assists consumers in removing fraudulent claims from a credit report, and acts as a liaison between creditors and consumers to establish repayment schedules.</p><br>

Cicjscribner at 16:37, 23 September 2010

2010-09-23T16:37:29Z

← Older revision		Revision as of 16:37, 23 September 2010
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	[http://www.nfcc.org/ '''www.nfcc.org''']<br>		[http://www.nfcc.org/ '''www.nfcc.org''']<br>

-
-
-	<p>The NFCC recommends using the agency's client grievance process. If you are not satisfied File a complaint against a member agency with the NFCC On-line complaint forms available on the Web site.</p><br>
-

Cicjscribner at 16:36, 23 September 2010

2010-09-23T16:36:18Z

← Older revision		Revision as of 16:36, 23 September 2010
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	\| <h4 align="center"><big>CREDIT COUNSELING SERVICE</big><br /></h4>		\| <h4 align="center"><big>CREDIT COUNSELING SERVICE</big><br /></h4>
-	\| [[A\|go back]]	+	\| [[C\|go back]]
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	\|}		\|}
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-	(Civil Code §§ 1789.10, 1789.26.)<br>	+	'''(Civil Code §§ 1789.10, 1789.26.)'''<br>

	<p>A professional nonprofit credit counselor can help consumers manage and reduce their debt. The Consumer Credit Counseling Service (CCCS) is one such nonprofit organization. The CCCS has 450 offices nationwide offering personal financial counseling, credit, and debt management counseling. CCCS also assists consumers in removing fraudulent claims from a credit report, and acts as a liaison between creditors and consumers to establish repayment schedules.</p><br>		<p>A professional nonprofit credit counselor can help consumers manage and reduce their debt. The Consumer Credit Counseling Service (CCCS) is one such nonprofit organization. The CCCS has 450 offices nationwide offering personal financial counseling, credit, and debt management counseling. CCCS also assists consumers in removing fraudulent claims from a credit report, and acts as a liaison between creditors and consumers to establish repayment schedules.</p><br>
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-	'''Consumer Credit Counseling Service'''<br>	+	'''<font color="#4AA02C">Consumer Credit Counseling Service</font color="#4AA02C">'''<br>
	4636 Watt Ave. Ste # 200<br>		4636 Watt Ave. Ste # 200<br>
	North Highlands, CA 95660<br>		North Highlands, CA 95660<br>
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-	~~To register or verify a Credit Service Organization or to report fraud, contact:<br>~~

-	'''Department of Justice (DOJ)'''<br>	+	'''To register or verify a Credit Service Organization or to report fraud, contact:'''<br>
-	Office of the Attorney General<br>	+
		+	'''<font color="#4AA02C">Department of Justice (DOJ)</font color="#4AA02C">'''<br>
		+	'''Office of the Attorney General'''<br>
	Public Inquiry Unit<br>		Public Inquiry Unit<br>
	1300 I Street<br>		1300 I Street<br>
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	(800) 952-5225 (CA Callers)<br>		(800) 952-5225 (CA Callers)<br>
	(916) 322-3360 (Out of State)<br>		(916) 322-3360 (Out of State)<br>
-	(916) 323-5341 ~~(fax)~~ <br>	+	(916) 323-5341 Fax <br>
	(800) 952-5548 (TDD in CA)<br>		(800) 952-5548 (TDD in CA)<br>
	(916) 327-5564 (TDD Out of State)<br>		(916) 327-5564 (TDD Out of State)<br>
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-	~~To file a copy of the surety bond required for registration, contact:<br>~~

-	'''Secretary of State'''<br>	+	'''To file a copy of the surety bond required for registration, contact:'''<br>
		+
		+	'''<font color="#4AA02C">Secretary of State</font color="#4AA02C">'''<br>
	1500 11th Street, 6th Floor<br>		1500 11th Street, 6th Floor<br>
	Sacramento, CA 95814<br>		Sacramento, CA 95814<br>
-	(916) 653-4984 ~~(special filings)~~<br>	+	(916) 653-4984<br>
	[http://www.sos.ca.gov/ '''www.sos.ca.gov''']<br>		[http://www.sos.ca.gov/ '''www.sos.ca.gov''']<br>
		+


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-	'''National Foundation for Credit Counseling (NFCC)'''<br>	+	'''<font color="#4AA02C">National Foundation for Credit Counseling (NFCC)</font color="#4AA02C">'''<br>
	801 Roeder Road, Suite 900<br>		801 Roeder Road, Suite 900<br>
	Silver Spring, Maryland 20910<br>		Silver Spring, Maryland 20910<br>
	(301) 589-5600<br>		(301) 589-5600<br>
-	(301) 495-5623 ~~(fax)~~<br>	+	(301) 495-5623 Fax<br>
-	(800) 388-2227 ~~(National informationline)~~<br>	+	(800) 388-2227<br>
	[http://www.nfcc.org/ '''www.nfcc.org''']<br>		[http://www.nfcc.org/ '''www.nfcc.org''']<br>
		+


	<p>The NFCC recommends using the agency's client grievance process. If you are not satisfied File a complaint against a member agency with the NFCC On-line complaint forms available on the Web site.</p><br>		<p>The NFCC recommends using the agency's client grievance process. If you are not satisfied File a complaint against a member agency with the NFCC On-line complaint forms available on the Web site.</p><br>

-
-
-	~~<p>'''Publications Available:''' Successful Credit Management takes Planning</p>~~
-	~~<p>'''Other Publications:''' '''FTC -''' Getting Back in the Black Campaign, Self-Help May Be Best</p>~~
-	~~<p>'''Other References:''' Credit Repair Services, Credit Counselor, Debt Counselor</p>~~
-	~~<p>'''Other Referrals:''' Better Business Bureau and Small Claims Court</p><br>~~
-

Cicjscribner at 21:33, 23 June 2010

2010-06-23T21:33:36Z

← Older revision		Revision as of 21:33, 23 June 2010
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-	(Civil Code §§ 1789.10, 1789.26.) <br>	+	(Civil Code §§ 1789.10, 1789.26.)<br>

	<p>A professional nonprofit credit counselor can help consumers manage and reduce their debt. The Consumer Credit Counseling Service (CCCS) is one such nonprofit organization. The CCCS has 450 offices nationwide offering personal financial counseling, credit, and debt management counseling. CCCS also assists consumers in removing fraudulent claims from a credit report, and acts as a liaison between creditors and consumers to establish repayment schedules.</p><br>		<p>A professional nonprofit credit counselor can help consumers manage and reduce their debt. The Consumer Credit Counseling Service (CCCS) is one such nonprofit organization. The CCCS has 450 offices nationwide offering personal financial counseling, credit, and debt management counseling. CCCS also assists consumers in removing fraudulent claims from a credit report, and acts as a liaison between creditors and consumers to establish repayment schedules.</p><br>
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	'''Twin Cities'''<br>		'''Twin Cities'''<br>
	Yuba City, CA<br>		Yuba City, CA<br>
-

	'''The East Bay'''<br>		'''The East Bay'''<br>
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-	<p>The NFCC recommends using the agency's client grievance process. If you are not satisfied File a complaint against a member agency with the NFCC On-line complaint forms available on the Web site.	+	<p>The NFCC recommends using the agency's client grievance process. If you are not satisfied File a complaint against a member agency with the NFCC On-line complaint forms available on the Web site.</p><br>

Cicjscribner: Created page with '{| align="center" border = 0 ! |- | {| border = 0 cellpadding="20" cellspacing="0" |- |

CREDIT COUNSELING SERVICE

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2010-06-23T21:31:19Z

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| <h4 align="center"><big>CREDIT COUNSELING SERVICE</big> </h4>
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(Civil Code §§ 1789.10, 1789.26.) 

A professional nonprofit credit counselor can help consumers manage and reduce their debt. The Consumer Credit Counseling Service (CCCS) is one such nonprofit organization. The CCCS has 450 offices nationwide offering personal financial counseling, credit, and debt management counseling. CCCS also assists consumers in removing fraudulent claims from a credit report, and acts as a liaison between creditors and consumers to establish repayment schedules. 

'''A for profit "Credit Service Organization" (CSO) must:''' 

*File a registration application with, and receive a certificate of registration from, the Attorney General's Office before doing business in California. (Civil Code § 1789.25.) 
*Obtain a $100,000 surety bond from an admitted surety in favor of the State of California for the benefit of any person damaged by any violation of the Act. (Civil Code § 1789.18.) (The bond must be maintained for two years after the CSO stops doing business in California.) 
*Give the buyer before the contract for services is signed, an information statement that complies with Civil Code Section 1789.15. (Civil Code §§ 1789.14, 1789.15.) 
*Not provide any service to a buyer except pursuant to a written contract that complies with Civil Code Section 1789.16. (Civil Code § 1789.16.) 
*Complete the agreed services within six months after the date the buyer signs the contract for services. (Civil Code § 1789.13(b); see Civil Code § 1789.16 (a)(3).) 
*Maintain an agent for service of process in this state. (Civil Code § 1789.13(j).) 

'''Consumer Credit Counseling Service''' 
4636 Watt Ave. Ste # 200 
North Highlands, CA 95660 
(800) 736-2227 
[http://www.bydesignsolutions.org/ '''www.bydesignsolutions.org'''] 

CCCS offers one free counseling session. Call 1-800-388-2227, for additional locations. Nationwide number will automatically route you to the nearest office by zip code. 

'''FIFTEEN MAIN CCCS OFFICES WITH OVER 90 BRANCH AND SATELLITE OFFICES:''' 

'''Kern and Tulare Counties''' 
Bakersfield, CA 

'''Central Valley, Inc. ''' 
Fresno, CA 

'''Los Angeles''' 
Los Angeles, CA 

'''Twin Cities''' 
Yuba City, CA 

'''The East Bay''' 
Oakland, CA 

'''The North Valley''' 
Redding, CA 

'''Inland Empire''' 
Riverside, CA 

'''Sacramento, Inc.''' 
Rancho Cordova, CA 

'''San Diego and Imperial Counties''' 
San Diego, CA 

'''San Francisco''' 
San Francisco, CA 

'''Santa Clara Valley, Inc.''' 
Santa Clara, CA 

'''Orange County''' 
Santa Ana, CA 

'''Mid-Counties''' 
Stockton, CA 

'''Ventura County, Inc.''' 
Ventura, CA 

'''The North Coast''' 
Arcata, CA 

To register or verify a Credit Service Organization or to report fraud, contact: 

'''Department of Justice (DOJ)''' 
Office of the Attorney General 
Public Inquiry Unit 
1300 I Street 
Sacramento, CA 95814 
(800) 952-5225 (CA Callers) 
(916) 322-3360 (Out of State) 
(916) 323-5341 (fax) 
(800) 952-5548 (TDD in CA) 
(916) 327-5564 (TDD Out of State) 
[http://www.caaq.state.ca.us/ '''www.caag.state.ca.us'''] 

To file a copy of the surety bond required for registration, contact: 

'''Secretary of State''' 
1500 11th Street, 6th Floor 
Sacramento, CA 95814 
(916) 653-4984 (special filings) 
[http://www.sos.ca.gov/ '''www.sos.ca.gov'''] 

A "Debt" or "Credit" Counselor is certified through the National Foundation for Credit Counseling (NFCC). A college degree or equivalent experience in finance, banking, credit, home economics, or counseling is desired. Debt Counselors are not licensed by a state agency in California but may need a business license to operate. A Debt or Credit Counselor does not provide credit and is not a lending institution. 

'''National Foundation for Credit Counseling (NFCC)''' 
801 Roeder Road, Suite 900 
Silver Spring, Maryland 20910 
(301) 589-5600 
(301) 495-5623 (fax) 
(800) 388-2227 (National informationline) 
[http://www.nfcc.org/ '''www.nfcc.org'''] 

The NFCC recommends using the agency's client grievance process. If you are not satisfied File a complaint against a member agency with the NFCC On-line complaint forms available on the Web site.

'''Publications Available:''' Successful Credit Management takes Planning
'''Other Publications:''' '''FTC -''' Getting Back in the Black Campaign, Self-Help May Be Best
'''Other References:''' Credit Repair Services, Credit Counselor, Debt Counselor
'''Other Referrals:''' Better Business Bureau and Small Claims Court 

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