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Is a Debt Management Program for You?
Frequently Asked Questions
What should I do when creditors call me?
Even after enrollment, creditors may continue to call you until they have received three consecutive, on-time monthly payments from you through FFEF. When they call, politely explain that you have enrolled in the FFEF consumer credit counseling program. You may give credi- tors the FFEF telephone number, (307) 789-2010, and ask them to contact us. You can also ask for the name and phone number of the collector and report it to your Client Care Team for their follow up.
What should I do if I change my address, phone number, job, or name?
Please call your Client Care Team right away or make the change on your payment coupon anytime your address, telephone number(s), legal name, marital status, or place of employment changes. You must also notify your creditors.
May I apply for new credit while on the program?
No, you should not apply for new credit. If you do, the terms FFEF has negotiated with many of your creditors will be voided. If absolutely necessary, you may be able to purchase a secured credit card through a national bank, but you should contact your creditors before doing so to be sure this will not void the arrangements you have with them.
May I use my debt management program to pay off secured debt like my home mortgage?
Yes. If you do include secured debt in your program, please be aware that it is not negotiable: the interest rates will not be lowered, the monthly due date will not change, the account cannot be re-aged, and the minimum payment will not be lowered. Secured debt payments must be made only through the FFEF AutoPay program, and the account must be current.