We’re Here for You!
Welcome to the CCCSMD Family
Congratulations on taking the first steps towards a financially healthier future! We know starting something new, like a Debt Management Plan (DMP), can be scary and you might have a lot of questions. From the moment you sign up for a DMP, our team is available to provide you information specific to your account, about the DMP in general or just provide some motivation and guidance along the way.
How to Access Your Account
CCCSMD has a new portal where you can review your account. To log into the portal, your USER ID is the email address we have on file for you. The first step to logging into your account is to reset your password by clicking on the Reset Password screen and click the Reset Password button. An email with a temporary secured URL link will be sent to you. Click that link and it will take you to a screen to reset your password.
More About Your Debt Management Plan (DMP)
Here are a few things you might be wondering now that you have signed up for your Debt Management Plan (DMP).
How can I receive another copy of my monthly statement?
You can view current and previous disbursement statements by selecting the Statements tab in your online account. Click Here to log in to your account.
How can I find out how many months I have on the Debt Management Program?
You can view your current estimated balances and payout dates by selecting the DMP Summary tab in your online account. Click Here to log in to your account.
What if I can’t make my debt management payment this month?
We are here to help! Email us at info@cccsmd.org to speak with an account manager today.
How can I check on the status of my debt management program?
You can view the details of your account by selecting the DMP Summary tab in your online account. Click Here to log in to your account.
Can I make additional payments on while on the Debt Management Program?
Yes, you are always welcome to make additional payments on your program. You can request to have the additional payment disbursed to specific creditors, or you can have the additional payment disbursed to all of your creditors. Please email us at info@cccsmd.org if you are interested in making additional payments on your account.
How can I make my monthly DMP payment?
You can have your monthly payment automatically drafted from your account monthly, weekly, or bi-weekly. You can also make your monthly payment online, phone, or by sending in a certified check or money order.
We are unable to accept personal checks. For more information on how to process an online payment, click HERE.
What if I need to change my payment draft date?
Please email your adjustment request to info@cccsmd.org.
How can I send in my creditor statements?
You can upload your creditor statements by selecting the Documents tab in your online account. Click Here to log in to your account.
What should I do if my creditor hasn’t received their monthly payment yet?
Please email us at info@cccsmd.org so we can research the outstanding payment.
Are there any fees for paying off my debt management program in full?
No, there are no fees for paying off your account early. Email your payoff request to info@cccsmd.org and we will reach out to your creditors to obtain your final payoff balances.
When will my payment disburse to my creditors?
There is a 4-5 business day processing time for all ACH and remote payments. Once the payment clears, the payment will be disbursed to your creditors on the nearest Tuesday or Thursday. There is no processing time for money orders. Money orders are posted to your account once they are received, and the funds are disbursed to your creditors on the nearest Tuesday or Thursday.
How can I view what creditors are on my debt management program?
You can view what creditors are currently on your program by selecting the DMP Summary tab in your online account. Click Here to log in to your account.
How can I update information on my account?
You can update information such as your mailing address and phone number directly in your online account. Click Here to log in to your account. Please email us at info@cccsmd.org if there are other account details you would like to update.
My creditor provided me with a new account number. What should I do?
You can upload your new account information in the Documents tab in your online account. Click Here to log in to your account.
How do I update my banking information for my monthly ACH?
You will need to complete a new ACH form and provide a copy of a voided check or letter from your bank confirming your routing and account number. You can upload the completed documents to the Documents tab in your online account. Click Here to log in to your account.
I received a letter from my creditor about my account. What should I do?
Your creditors will continue to send your correspondences such as statements, proposal acceptance letters, and proposal rejection letters. We request that you upload your most recent creditor statements through your online portal once every 90days. We also request that you upload any creditor correspondences about missed payments or proposal rejections. You can upload these documents by selecting the Documents tab in your online account. Click Here to log in to your account.
What happens when I complete the debt management program?
Once you complete the program, we will send you a Successful Completion letter 30 days after your last payment was disbursed. We do recommend that you monitor your final creditor statements for any small finance charges. If you see a small finance charge on your creditor statement, we recommend making that payment directly to the creditor. We also recommend that you visit annualcreditreport.com to view your credit report 60 days after completing your program.
How will I know if my program is nearing completion?
You will receive an email prior to your final payment confirming your final payment amount. The email will also include details about what to expect after your account is paid in full.
Still Have Questions about Your Account?
Our team is here to answer any questions you might have about your account. Whether it is specific to your DMP or overarching questions about the program, please don’t hesitate to ask your question. You can email your questions to info@cccsmd.org or fill out the simple form below and one of our team members will get back to you as soon as possible.
6315 Hillside Court, Suite B,
Columbia MD 21046
1-800-642-2227