WHO IS ACCREDITED?

Private Organization Accreditation

Consumer Credit Counseling Service of the Savannah Area's mission is to provide the best non-profit community service, dedicated to delivering professional and confidential counseling, debt management, housing counseling and consumer education to all segments of the community regardless of ability to pay.
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ORGANIZATION TESTIMONIAL

ClearPoint Credit Counseling Solutions

Tim Spearin, Vice President, Quality Assurance

ClearPoint Credit Counseling Solutions has been accredited by the Council on Accreditation (COA) since 1996.  Reaccreditation attests that a member organization continues to meet the highest national operating standards as set by the COA.  It also provides assurance that ClearPoint Credit Counseling Solutions is performing services which the community needs, conducting its operations and funds successfully.
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Purpose

Clients who receive Financial Education and Counseling services learn to solve financial problems and gain personal financial management skills.

FEC 10: Creditor Relations

The organization demonstrates credibility and accountability to the credit-granting entities that have agreed to participate in a debt management plan.

Interpretation: When the creditor’s policy is in conflict with the requirements of these standards, the organization should act in accordance with creditor requirements and with the client’s best interest in mind.

Interpretation: An organization that uses a third party electronic payment provider is responsible for all of the standards in this section, and:

  1. ensures that the standards are reflected in the contract; and
  2. establishes a process to confirm that contract obligations are being upheld.

NA The organization does not provide debt management plans.

Rating Indicators
1
All elements or requirements outlined in the standard are evident in practice, as indicated by full implementation of the practices outlined in the Practice standards.
2
Practices are basically sound but there is room for improvement, as noted in the ratings for the Practice standards; e.g.,
  • Minor inconsistencies and not yet fully developed practices are noted, however, these do not significantly impact service quality; or
  • Procedures need strengthening; or
  • With few exceptions procedures are understood by staff and are being used; or
  • For the most part, established timeframes are met; or
  • Proper documentation is the norm and any issues with individual staff members are being addressed through performance evaluations (HR 6.02) and training (TS 2.03); or
  • Active client participation occurs to a considerable extent.
3
Practice requires significant improvement, as noted in the ratings for the Practice standards. Service quality or program functioning may be compromised; e.g.,
  • Procedures and/or case record documentation need significant strengthening; or
  • Procedures are not well-understood or used appropriately; or
  • Timeframes are often missed; or
  • A number of client records are missing important information  or
  • Client participation is inconsistent; or
  • One of the Fundamental Practice Standards received a rating of 3 or 4.
4
Implementation of the standard is minimal or there is no evidence of implementation at all, as noted in the ratings for the Practice standards; e.g.,
  • No written procedures, or procedures are clearly inadequate or not being used; or
  • Documentation is routinely incomplete and/or missing; or  
  • Two or more Fundamental Practice Standards received a rating of 3 or 4.

Table of Evidence

Self-Study Evidence On-Site Evidence On-Site Activities
    • Procedures for informing and communicating with creditors
    • Financial records
    • Procedures that describe how the organization notifies creditors when clients discontinue DMPs
    • Written information that describes fair share contributions
    • Interview:
      1. Program director
      2. Relevant personnel
      3. Clients
    • Review client files

  • FEC 10.01

    The organization provides electronic funds transfers at the creditor’s request.


  • FEC 10.02

    The organization:

    1. promptly informs the creditor upon discovery of a posting problem;
    2. promptly refunds to the client or creditor any improperly credited amount; and
    3. either bills the creditor for its fair share and remits the client’s gross payment, or deducts the fair share contribution from the client’s payment, according to the creditor’s requirements.

  • FEC 10.03

    When a DMP is discontinued, the organization is responsible for providing notice of discontinuation to the creditor, as per creditor requirements.

    Interpretation: Information may be provided to the creditor within the timeframes noted in creditor policy.?

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