|   Our 
              Purpose 
              The 
              overall goal of Christian Credit Counseling Service is to provide 
              help for individuals and families who have found themselves in financial 
              crisis. Our objective is to help them find financial 
              freedom. 
            The 
              building blocks of our program are:  
              Buget Counseling 
              Debt Recovery 
            During 
              all phases of counsel, our ongoing objectives are to provide practical 
              solutions to money management problems.  
            A trained 
              counselor analyzes the individual's or family's present financial 
              situation and assists in developing a realistic spending plan designed 
              specifically to meet their needs.  
            For 
              the individual or family already in difficulty, a budget will be 
              developed to meet current obligations. A counselor will develop 
              a realistic repayment schedule that is workable for the family and 
              acceptable to the creditors.  
            In 
              many cases, the creditors will accept smaller payments, and in some 
              cases, will reduce future interest and penalty charges. This process 
              enables individuals or families to focus on present money management 
              and return to normalcy.  |