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DEBT MANAGEMENT TIPS

Keep an accurate record of your cash flow and expenses in order to stick to your plan.

Review your statements regularly from your creditors while on the DMP. Report any unusual fees or activity to CCCS Operations Department, and send a copy of each of your statements every three months for official review.

No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.

Spending limits must be realistic

Make your spending habits consistent. Large expenses should be pro-rated over a period of time.