How Online Counselling Works
As some people prefer to be counselled anonymously, CCCS introduced the online process
CCCS Debt Remedy in August 2006.
CCCS Debt Remedy performs an immediate assessment of the situation ending in emergency help,
self-help material or the option of continuing to an online counselling session. Don’t worry if your details
are incomplete as you can save where you are and come back later, and counsellors are available on the telephone to answer
any questions.
As with a telephone appointment, CCCS
conduct a full review of the credit and debt situation followed by a recommended course of action.
The first priority wherever possible is to allow for essential expenditure
priority debts
and living expenses. We will assess whether you have enough left over to make an offer of repayment to other
creditors
are asked to freeze interest, stop penalties and charges, accept a longer repayment period and sometimes a reduced sum.
Such is the quality of counselling that many
creditors
now accept our repayment proposals without further checking and the repayment records of
clients we have counselled are uniquely good. This is because CCCS follow the two key
principles of best advice and sustainable plans.