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Simple English definitions for legal terms

Consumer Credit Counseling Service (CCCS)

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A quick definition of Consumer Credit Counseling Service (CCCS):

Consumer Credit Counseling Service (CCCS): A group of organizations that help people who are in danger of bankruptcy. They offer free or low-cost counseling, education, and debt repayment services. They can help you make a plan to pay off your debts, choose the right way to combine your loans, and suggest other ways to manage your debt. CCCS started because many people were using credit cards without knowing how to use them wisely. The Department of Justice has a list of trustworthy CCCS that you can use to avoid any fake ones.

A more thorough explanation:

Definition: Consumer Credit Counseling Services (CCCS) are organizations that provide counseling, education, and debt repayment services to individuals who are struggling with debt. These services are often free or low-cost and can help individuals create a plan to manage their debt and avoid bankruptcy.

CCCS was created in response to the increasing use of credit cards and lack of consumer awareness in the 1950s. The Department of Justice provides a list of trustworthy CCCS available nationwide to help individuals avoid illegitimate organizations.

Example 1: John has accumulated a large amount of credit card debt and is struggling to make his monthly payments. He contacts a CCCS for help and is provided with a debt repayment plan that fits his budget and helps him pay off his debt over time.

Example 2: Sarah is considering taking out a loan to consolidate her debt but is unsure if it's the right decision. She contacts a CCCS for advice and is provided with information on different loan consolidation options and how they could impact her financial situation.

These examples illustrate how CCCS can provide individuals with the tools and resources they need to manage their debt and avoid bankruptcy. By offering counseling, education, and debt repayment services, CCCS can help individuals create a plan that fits their unique financial situation and goals.

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JumpySubsequentDolphin
21:35
no he’s literally like 8 and he fully just put his head on my bicep and slept
JumpySubsequentDolphin
21:35
he has since moved
22:12
@SplitterusClitterus: me yesterday
gulc baby pls text me back... i miss you ...... :(
22:23
i just went into a discord vc and yelled "YALL I JUST GOT INTO J.M. SCHOOL OF LAW"
22:24
people were getting excited :sob:
22:25
then someone was like "what does jm stand for" and i was like .. well
AHHAHAHAHAHAHHAHAHAHAHAHAH
@JumpySubsequentDolphin: wait this is so cute, also where r u going
JOE MBIDEN
JumpySubsequentDolphin
22:39
@splitty Oregon!
oh yay for what thats so random
JumpySubsequentDolphin
22:45
haha my brother and sister in law live there
so cutie oregon is beatiful
soyalmondoatmilk
8:38
good morning! hoping waves will come our wave today
8:42
GW wave today?
8:57
There’s someone I found on here with the username threeoutchange and if my understanding is correct that’s a reference to the debut album by a pretty cool 90s-00s Japanese band called Supercar. I geeked a little
8:57
It could just be a baseball reference I don’t get though lol
Dkk
9:00
@renard99: also, the same band that does a song in the anime Eureka 7 which I watched when I was like idk, 12
9:00
Yeah! They are pretty good. Three Out Change is an awesome J-rock record
Dkk
9:01
I will probably not listen to them more but fun fact. Really random to start the day. An omen that the waves will be very random today.
Dkk
9:03
Fuck, reading the wikipedia now. Literal last song they did before they broke up was Storywriter. Wow.
9:05
That one is a masterpiece
9:05
My favorite song by them is Recreation
glovediedthisishismom
9:05
snowing
Dkk
9:07
@renard99: man, hard to find.
Dkk
9:07
@glovediedthisishismom: Congrats on the snow.
Dkk
9:16
@renard99: Poetic and nice.
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