Q: What is your interest rate?
A:   Credit Counseling Centers is not a loan company, so we do not charge interest. We work with your creditors to eliminate as much of the interest they are charging you as possible.

Q: Shouldn't I try to get a loan?
A:   Why borrow more money at high interest? That may already be part of the problem! Our program makes much more sense. Remember - we are helping you get lower payments and interest. And THAT'S the way to get out of debt.

Q: How do you stay in business?
A:   We are a non-profit organization. Our program receives voluntary support from financial institutions across the country ... because it works!

Q: Who are your supporters?
A:   To name just a few ... Amoco, AT&T, Bank of America, Bank One, Capital One, Chase Manhattan, City Bank, Dillards, Discover, Exxon, HFC, Home Depot, Florida Hospital, G.E. Capital, Lane Bryant, Lerners, Sears, Spiegel, SunTrust, WFNNB, Target. .. and many others.

Q: Can I pay off my accounts sooner than what is set up in the program?
A: Yes, you can! If you decide to pay off any accounts, please call our Client Care Center, they will contact your creditor and advise you of your balances.

Q: What effect will this have on my credit when buying a house or car?
A: The fact that you are on the program by itself should not have any effect on your ability to buy a home or car: however, the best thing to do is find out what the bank's guidelines are for qualifying.

Q: Can I use my credit cards or are the accounts closed?
A: Your creditors will close your accounts through this program. If your goal is to get out of debt it is difficult to still use your cards and get out of debt. We want to see your balances going DOWN.