DSP CLIENTS LOGIN HERE      --or--       MAKE YOUR DSP PAYMENT ONLINE RIGHT NOW

Protect yourself! Check Your DSP statements against your creditor statements monthly. 

You will receive quarterly statements from CCCS.  However, you can check your balances online or via our interactive phone center at any time.  Since CCCS does not receive statements from your creditors, we recommend you compare your creditor statements each month to either our online information or our 24/7 Phone Customer Interaction Center.  Be sure to:

• Verify that payments are received on or before your due date. CCCS sends your payments out to your creditors once per month
• If a creditor due date does not coincide with your CCCS disbursement date call your creditor to be sure you will not receive late fees as a result. Your creditors should get your payment within two weeks of CCCS receiving your payment.
• Make your DSP payment consistently on or near the same date each month. Creditors expect consistent, timely payments before honoring concessions such as lowered interest and waived late or over the limit fees. (These are normally waived after 3 consecutive payments following acceptance of the proposal.)
• Call CCCS immediately if you cannot make your monthly deposit. Creditors may call to find out why your payment is late and/or missed and they could assess late charges and interest on your account. Be aware creditors will usually drop you from the Debt Solver Program™ if you miss payments or make partial payments.
• As creditors are paid off, you will see zero balances on your CCCS statement. Please call and verify with the creditor that your account is in fact paid in full. If the account is not paid in full, notify CCCS of the remaining balance.

Tips to Help You Payoff Your Debt Sooner

• Call our Interactive Client Phone Line at 800-540-CCCS(2227). 
• Simply press the option for current clients and have your account number handy.
• Online information about your account is available 24 hours a day at Current Clients Login Here.
• You’ll need your account number and PIN number to access your account information. In addition, at least quarterly, you will receive a statement from CCCS reflecting all deposits made to each creditor as well as your approximate balances. If you do not know your PIN number, email webaccess@gotdebt.org

Tips for New Debt Solver Program Clients

• Not all creditors agree to reduce or waive interest charges, some creditors will wait for three consecutive payments before reducing interest and if you are late or missed payments, creditors often reinstate all the forgiven interest charges. 
• New client proposals are sent within 5 business days.
• CCCS will send proposals to your creditors within 5 business days of receiving, signed agreement, first payment and account information including your latest credit card statement. Many creditors do not inform CCCS if they deny a proposal, so examine your statements for changes.
• If a creditor calls you after signing up for the DSP, let them know that you have a plan worked out with CCCS and give them your client number and our telephone number (805) 383-7700. (We reserve our 800 number for our DSP clients.)
• If you chose the DSP but will start the program at a later date, we encourage you to make payments to your creditors. If not, you may receive late fees and they may reject your program.