 |
|
WHAT IF?
I need to speak with
my original credit counselor?
Your account is now being
handled by the Customer Services Department. Call (877) 606-6144
to speak with a Customer Service Representative. These lines are staffed
by professionals who can answer or redirect any questions you may
have.
My payment is unavoidably
late or I cannot make a payment this month?
Please call the Customer
Service Department at once! This allows us to monitor your promised
date, and to inform creditors of your situation when they contact
our office. Please note that creditors will start calling again if
you miss more than one month.
I have extra money and
want to pay my accounts off early?
We are as happy as you
are when circumstances make this possible. Please contact the Customer
Service Department and they will contact your creditors for the financial
balances on all of your accounts. They will then arrange for an increase
(or final) payment through Visual Credit Counseling.
I withdraw from the
program?
This is a voluntary program
on yours, the creditor's behalf, and ours. We discourage you from
dropping off the program before completion. If you wish to drop off
the program you must notify the Customer Service Department in writing.
If you do drop off, all of your creditors will be notified and your
payments and interest rates will revert back to the original amounts.
I lose my job?
Please call us!!! If you
must miss two consecutive payments, it may be necessary to discontinue
the program. When you have income again, you may restart after a review
of your budget with a Customer Service Representative.
What to do if collection agencies continue to
call you:
On the backside of this
page is a "cease and desist" notice. The notice can be
used to stop harassing phone calls from third party collection agencies.
If you are being harassed by collection agencies after you have made
your first payment on the program, please make photocopies of the
following page, sign each one and mail a copy to each one of the collection
agencies that are harassing you. Mail them to the addresses as they
appear on your statements and place the proper account number on each
notice that you send. Please remember that these notices can only
be used to stop harassment from third party collection agencies.
These notices cannot stop calls from original or primary card
companies such as Visa or Master Card.
These notices let your
collection agencies know that Visual Credit Counseling is now handling
your accounts. Your collection agencies will no longer be able to
place harassing calls to your home or work. Any correspondence regarding
your accounts will then have to be done through Visual Credit Counseling
or through the mail. This should make life much easier for you. If
you have any questions on these notices, please call our Customer
Service Department at (877) 606-6144.
If a particular collection
agency continues to call you after the initial "cease and desist"
notice is sent out, immediately send them another copy. This time,
send the "cease and desist" notice to the creditor via certified
mail, return receipt requested. Your return receipt is proof that
the creditor received the "cease and desist" notice.
Once the collection agency
has received the "cease and desist" notice, by law, they
may only contact you once more to let you know how they plan to deal
with your account. By that time we will be handling everything for
you.
|