Information for New Clients:

1. Please be sure to read the enrollment package that we mailed to you thoroughly.

2. It is very important to remember to monitor your monthly statements to ensure you are receiving the appropriate benefits.  We do not get your monthly statements from your creditors, so it is very important that you contact us immediately if you feel something is not correct.

3. It is normal to receive calls from your creditors after making your first payment. Refer them to CMCS at: 1-877-684-2735. We will gladly confirm that you are enrolled in the program.  The calls should cease in 30-60 days.

4. If at all possible, we encourage you to pay your creditors during the 30-90 day negotiation period.

5. If you have included any of the following creditors or any companies serviced by these creditors on the program, it is important that you call them to have your due date adjusted to 15 business days after your due date with the program.

AFBA Industrial Bank
American Express
Associates Capital Bank (Citibank)
Bally's Mastercard
Bally's Total Fitness
Bank of Hawaii/Honolulu
BB&T (Branch Banking & Trust)
Carmel Finance
Chase Bank
Citicorp Retail Services
Direct Merchants/Metris Co's
Discover
Elan
Fidelity National Bank
First Bankcard Center
First Financial Bank
First National Bank of Marin
First America Bank
First Tennessee Bank
First USA/Bank One
Garden Way Inc.
Household Finance/Beneficial Finance
Huntington National Bank - Unsec Loans
Intrust Card Center
Mandee
Marks & Morgan
May Department Stores
MBNA
Mercantile Stores National Bank
Montgomery Ward
Partnership Card Services
Pentagon FCU
PNC Bank Consumer Loan
Signet Bank - Intall Loans
Star Bank
Suntrust Bankcard
Travelers Bank (Citibank)
Union Planers Bank
United Consumer Financial Services
Wells Fargo and all Financial Subsidiaries