Download or read book Consumer Credit Counseling Service Study written by Metropolitan Council for Community Services (Chattanooga, Tenn.). Study Committee and published by . This book was released on 1975 with total page 30 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 Family Credit Counseling written by National Study Service and published by . This book was released on 1968 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Prebankruptcy Credit Counseling written by Noreen Clancy and published by Rand Corporation. This book was released on 2007 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 provided new requirements for bankruptcy filers and gave the U.S. Trustee Program (USTP) new areas of responsibility. One new requirement is that any individual filer must have received credit counseling during the 180 days before filing. USTP must develop measures of credit-counseling agency effectiveness, then apply those criteria to decide whether to reapprove those agencies. Complicating the effectiveness issue is the increased use of Internet-based credit counseling and whether the mode of delivery influences the counseling's adequacy and effectiveness. USTP asked RAND for help in examining what constitutes effective prebankruptcy credit counseling and how to measure it. The authors concluded that USTP should first explicitly identify the goals of prebankruptcy credit counseling; that there are no common standards or accepted sets of metrics for USTP to adopt in whole; and that there are no accepted views on the various modes of delivery. They recommend that USTP use certain upcoming reports to inform the process of developing measures of effectiveness and approving or reapproving credit-counseling agencies; that it consider whether an agency up for reapproval is providing the services stated in its initial approval application, as well as any pre- and post-testing that the agency conducts; that it survey prebankruptcy credit counselors; that it choose a few measures of effectiveness; and that it take some debtor characteristics into account when measuring agency effectiveness.

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 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 Is Technology Enhanced Credit Counseling as Effective as In Person Delivery written by John M. Barron and published by DIANE Publishing. This book was released on 2011-05 with total page 29 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 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 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 Study of the Consumer Credit Counseling Industry in California and Recommendations to the Legislature Regarding the Establishment of Fees for Debt Management Plans and Debt Settlement Plans written by California. Department of Corporations and published by . This book was released on 2003 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Credit Financial Issues written by and published by . This book was released on 1981 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Debt Settlement Industry written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation and published by . This book was released on 2011 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Impact of Public Policy on Consumer Credit written by Thomas A. Durkin and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: As both the twenty-first century and the new millennium opened and the old eras passed into history, individuals and organizations throughout the world advanced their listings of the most significant people and events in their respective specialties. Possibly more important, the tum of the clock and calendar also offered these same observers a good reason to glance into the crystal ball. Presumably, the past is of greatest interest to most people when it permits better understanding of the present, and maybe even limited insight into the outlook. In keeping with the reflective mood of the time, the staff and friends of the Credit Research Center (CRC) at Georgetown University's McDonough School of Business noted that the beginning of the new millennium also marked the beginning of the second quarter-century of the Center's existence. The Center began at the Krannert Graduate School of Management at Purdue University in 1974 and moved to the McDonough School of Business at Georgetown University in 1997. The silver anniversary of its founding offered the occasion for creating more than another listing of significant past accomplishments and milestones. Rather, it offered the opportunity and, indeed, a mandate for CRC as an academic research center, to undertake a retrospective and future look into the status of research questions pertaining to consumer credit markets. For this reason, the Center organized a research conference which was held in Washington, D. C.

Download or read book The Development of Selected Consumer Credit Counseling Services and Their Impact on Family Units from 1967 to the Present written by Margery Kabot Schiller and published by . This book was released on 1975 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 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: