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Ask Susan Responses
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MMI/CCCS: General |
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More Ask Susan |
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Do you have to be behind on your payments to have your company help us? We are not behind on credit cards but are struggling to make minimums on eight cards. -Donna |
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Donna,
You don’t have to be behind on payments. In fact, you have contacted us at the right time. Being proactive is always better than being reactive.
You can speak to a trained credit counselor by calling 800-762-2271. They are available 24 hours a day, 7 days a week.
Congratulations on your decision to take control of your financial life.
The Advice Team |
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Is your company listed with the BBB and how much do you charge for services rendered? -Mike |
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Mike,
We are members in good standing of more than 20 BBBs. We are also members of the National Foundation for Credit Counseling (NFCC) and the Association of Independent Consumer Credit Counseling Agencies (AICCCA).
There is no fee for a client to engage in a counseling session. Normally, if a client starts a debt management program, there will be a one time set-up charge and a monthly fee to contribute towards the cost of administering a debt management program. We do not hold your first deposit. If your feel that a fee will be too much of a burden for you to pay, talk to your counselor. We do not refuse services to anyone because of their inability to pay.
Hope this information helps you to make a decision,
The Advice Team
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My first question is do I have to come in to your office to get help using your service?
I have some credit cards that keep charging me interest, over the limit fees, and late charges. At this rate I will be over 100 before I can get out of this! Is there a way to help me without me coming in, I live too far away from the city to be able to do that, also with young children. -Carl
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Carl,
Counseling can be done by phone, fax, mail and the Internet. You do not have to go into any office at any time.
Call MMI at 800-762-2271 and speak to a financial counselor. During your counseling session, your counselor will review your overall financial situation, discuss possible solutions and make recommendations for you to consider.
If your debts are truly unmanageable, your counselor will explore the possibility of a Debt Management Program (DMP) which allows you to make reduced payments to creditors. The DMP is an alternative to bankruptcy. It serves the dual role of helping you repay your debts and helping creditors collect money owed them. You agree to deposit funds with MMI each month which MMI will then distribute to your creditors until you become debt free.
Some creditors will make adjustments on their finance charges and/or other fees for clients on a DMP. Others will not. This is an individual creditor policy which may change over time.
Good luck,
The Advice Team |
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We have a home equity loan. We also have 3 tax liens for property taxes. Can you help us with secured debt? -Helen |
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In addition to debt management services, our organization is also approved by the Department of Housing and Urban Development (HUD) to deliver housing counseling and education services. All housing counseling appointments are free of charge. To schedule an appointment with a housing counselor, call 800-762-2271.
The Advice Team |
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What best advise would you give me for a career as a counselor. Is thier a school? a degree? a certification? Would it make sense to be a Loan Officer first? It seems like a rewarding career and hoping you can lead me in the right direction. Thanks! -Charles |
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Thank you for your interest! Being a credit counselor is very rewarding.
Here are some excerpts from the job description:
-Counselors are responsible for establishing counselor/client relationship to derive individually tailored solutions to all facets of the client’s debt and money management-related needs.
-Counselors should have a background in sales, finance, education, consumer credit or a counseling-related field.
-Counselors should be creative problem solvers who can balance client needs with creditor requirements.
-Counselors are able to think long-term as it relates to the position and overall MMI mission and goals.
-Counselors must be open-minded and approachable attitude, able to work with diverse personalities and intellectual levels.
-Counselors should remain positive in their approach, non-judgmental, flexible, consistent and able to work well under pressure.
Money Management International is an equal opportunity employer, offering competitive salaries, 401(K) retirement funds, and an assortment of other employee benefits. If you are interested in submitting your resume for consideration, please fax, email, or send it using the information below.
Human Resources Coordinator
Money Management International
9009 West Loop South, 7th Floor
Houston, TX 77096-1719
713-394-3497 Fax
jobs@moneymanagement.org |
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Yes, we are in need of some serious credit counseling. It seems to go up and down all the time and yes, we would finally like to see what debt-free feels like. If this is something that we might be able to use without going into "B" court. - Stuart |
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Stuart,
A debt repayment program is not bankruptcy, it’s an alternative. Unlike bankruptcy, our clients repay their debts with the consent and cooperation of their creditors.
Congratulations on your decision to take control. Yes, that debt-free feeling is worth it!!
Call 800-762-2271 to get started. Counselors are standing by.
The Advice Team |
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