Can I send in more money once I have a better cash flow?
Should I pay my bills in the time before I send you my first payment?
After I pay off one account, can I just pay less?
Will I still receive harassing phone calls?

Q: Can I send in more money once I have a better cash flow?
A: Of course - you can always increase your monthly payment. The more you pay, the faster your accounts will be paid off. Just let Visual Credit know you want to increase your payments beforehand so we can figure out which creditors to pay more money.

Q: Should I pay my bills in the time before I send you my first payment?
A: That's your decision, however we recommend that you do if you can. There is a brief negotiation period of approximately 30 days after we receive your first Visual Credit Counseling payment. During this time we make arrangements for future payments with creditors. If you miss due dates for accounts during the negotiation period, you are at risk of penalties and negative information reported to the credit bureau.

Q: After I pay off one account, can I just pay less?
A: That's your decision, but we highly recommend that you pay the same amount and transfer whatever you used to pay for the other account to a high interest account. That way, as you pay off each account, you end up paying more to the remaining accounts, speeding up the process without changing your monthly spending budget.

Q: Will I still receive harassing phone calls?
A: You might the first several months on the program since it takes time for your creditor's collections department to find out you're with Visual Credit Counseling. If you get a harassing call, inform the party to call Visual Credit Counseling and speak to your account specialist. If you get a harassing call from a collection agency that is not part of your creditor's company, we will provide you with a cease and desist letter. 3rd party collection agents must obey this letter, according to the Fair Debt Collection Practices Act. Make sure you tell your account specialist if you receive any such calls from a collection agent.

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