Download or read book Analyses of Consumer Credit Counseling Service Clients written by Mary Joan Verver and published by . This book was released on 1974 with total page 350 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Behavioral Effectiveness of Consumer Credit Counseling Service on Past Clients in Linn Benton County Oregon written by Linda Michelle Vallade and published by . This book was released on 1980 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt: The effectiveness of the Consumer Credit Counseling Service (CCCS) program on past clients' current money and credit management was researched in this study. The researcher investigated whether the experience of consumer credit counseling had any behavorial impact on past clients' current credit practices. A sample of 104 clients who lived in toll-free Linn-Benton County was selected from the closed CCCS files. These clients were individuals and families who had sought and obtained counseling and terminated the counseling program between 1974 and 1979. A letter was sent to the 104 clients explaining the study and indicating that the researcher would contact them by phone to administer the questionnaire. Fifty clients participated in the study. Of the remaining 54 clients, 49 could not be contacted or had moved from the Linn-Benton County area, and five declined for personal reasons. The completion rate of persons able to be contacted was 90 percent. Background information on the 50 clients was obtained from the CCCS application files. Before participation in the CCCS program, the 50 clients had a mean age of 31 years; the mean number of dependent children was 1.7; 29 clients were married, five were separated, 14 were divorced, and two were single; 28 percent of the clients were employed in white collar occupations and 72 percent were employed in blue collar occupations; the mean income was $7,336; the mean amount of savings was $2.20; the mean amount of debt was $4,290.98; the mean income to debt ratio was 3.15; the mean number of creditors was 11.36; and the mean number of credit cards used was 2.38. The mean time span since the clients left the CCCS program was three years. Of the 50 clients in the study, 29 terminated the program by self-administration, 20 clients were drop outs, and one client declared bankruptcy. At the time of the interview, February 1980, the clients had a mean age of 34 years; mean number of dependent children was 1. 8; 31 clients were married, one was separated, 15 were divorced, and three were single; 32 percent of the clients were employed in white collar occupations and 68 percent were employed in blue collar occupations; the mean income was $15,290; the mean amount of savings was $412.98; the mean amount of debt was $2,633.80; the mean income to debt ratio was 21.83; the mean number of creditors was 2.58; and the mean number of credit cards used was 1.02. There was a significant change in the number of credit cards used, number of creditors owed, the amount of debt owed, and the amount of savings acquired when a t-test was applied at the .05 significance level. There was no association between change in number of credit cards used, change in creditors owed, change in amount of savings, change in amount of debt, and type of termination (drop outs or self-administered) and length of time since termination when a t-test or analysis of variance (F-test) was applied at the .05 significance level. The clients in the study did tend to change their credit and financial practices after participation in the CCCS program. The 50 clients (100 percent) reported the CCCS program as very helpful in assisting them with financial difficulties. This researcher concluded that the CCCS program did have an behavorial impact on clients' current credit and financial practices.

Download or read book A Survey of Consumer Credit Counseling Service Clients written by Ellen Kay Hosking Dwyer and published by . This book was released on 1972 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Client Evaluation of the Consumer Credit Counseling Service of Fargo ND written by Hugo D. Moeckel and published by . This book was released on 1984 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Impact of Waiving Finance Charges on Debt Plans at Consumer Credit Counseling Services written by Michael Staten and published by . This book was released on 1993 with total page 72 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book An Impact Study of the Consumer Budget Counseling Service of Milwaukee Wisconsin written by Genell Scheurell and published by . This book was released on 1980 with total page 496 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Credit Counseling Financial Coaching and Client Outcomes written by Stephen Patrick Roll and published by . This book was released on 2016 with total page 245 pages. Available in PDF, EPUB and Kindle. Book excerpt: This dissertation then narrows its focus to examine the impact that frontline implementation dynamics have on the outcome of an experimental financial coaching program. The analysis first demonstrates that both program outputs and target group outcomes vary by the frontline worker. It explores the sources of this variation and finds that these differences are associated with differing approaches to client engagement and different levels of worker engagement with the program itself. Specifically, the analysis finds that workers who are capable of successfully engaging clients are significantly more capable of driving program enrollment, while workers who are more engaged with the program's change processes are significantly more capable of driving improved client outcomes. These analyses show not only that credit counseling can drive improvements in client financial outcomes but that understanding how programs are delivered also matters in assessing outcomes. In doing so, this dissertation contributes to the broad general literature on consumer financial policies and programs and to the limited literatures on credit counseling and financial coaching, as well as both the theoretically- and empirically-oriented literatures on social service implementation in the fields of public policy and management. Further, it contributes to the emerging research on the use of behavioral economics to understand and address issues in public policy.

Download or read book Federal Register written by and published by . This book was released on 2013-03 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Current Debt Situation of Former Clients of the Consumer Credit Counseling Service of Columbia Missouri written by Ruth Y. Griffith and published by . This book was released on 1992 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Economics of Consumer Credit written by Giuseppe Bertola and published by MIT Press. This book was released on 2006 with total page 389 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cross-national analysis of empirical, theoretical, and policy issues in the consumer credit industry, including household debt, credit card usage, and bankruptcy.

Download or read book Academic Foundation S Bulletin On Money Banking And Finance Volume 80 Analysis Reports Policy Documents written by Editor : Sona Kapila and published by Academic Foundation. This book was released on 2006 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Proceedings of the National Consumer Credit Counseling Service Conference written by and published by . This book was released on 1967 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book THE CREDIT COUNSELING BUSINESS written by Advocate Apurva Bhagat and published by Notion Press. This book was released on 2024-05-15 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book is a final version of our previous two books, "The Indian Credit Reporting System" and "Improove Your Credit Health". However, the book is different from the previous two because this is more specific on credit counseling and repair business. The book is divulging some of the key points: The nobility of credit counseling and repair business The credit counseling and repair business in global The credit counseling and repair business in India The basic of starting a credit counseling and repair business In-depth understanding of credit terminologies Frequently Asked Questions to resolve concerns

Download or read book Proceedings Annual Conference of the American Council on Consumer Interests written by American Council on Consumer Interests. Conference and published by . This book was released on 1983 with total page 786 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Work and Personal Financial Outcomes of Credit Counseling Clients written by and published by . This book was released on 2000 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of this study was to examine a sample of employed individuals who participated in credit counseling through a non-profit consumer credit counseling agency in the Mid-Atlantic. Using data collected at two points in time, this sample was examined to measure changes in personal financial variables, health status, and work outcomes. The sample respondents were also examined to determine the extent to which they instituted positive financial behaviors following participation in credit counseling. In addition, this research assessed differences in the demographics among the clients. Also studied was the extent to which individual and family characteristics, health status, financial concerns and related stress, and financial wellness accounted for the variance in work outcomes of productivity, presenteeism, and worktime used for personal financial matters. Significant changes in personal financial outcomes, health status, and work outcomes were found between the initial and follow-up study. One year following credit counseling, respondents had decreased levels of financial concerns and financial stress, experienced fewer workloss days, and spent less time using work hours to handle personal financial matters. They also indicated improvements in their level of financial wellness, health status, and job productivity. Respondents had instituted a number of positive financial behaviors since receiving credit counseling one year earlier.

Download or read book Consumer Credit Counseling Service written by National Foundation for Consumer Credit (U.S.) and published by . This book was released on 1968 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Consumer Banker s Analysis of Debt Counseling Services written by William T. Fleeson and published by . This book was released on 1967 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: