Private Organization Accreditation

As one of the largest family services agencies in the country, Child & Family Services has dedicated its resources to meet the needs of the community since 1873.


Jane Bonk, Ph.D., LCSW

Volunteer Roles: Commissioner; Evaluator; Lead Evaluator; Peer Reviewer; Team Leader

Dr. Jane Bonk is a team leader, evaluator, and commissioner who has led over 25 site visits for COA.
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Clients who receive Financial Education and Counseling services learn to solve financial problems and gain personal financial management skills.

PA-FEC 7: Debt Management Plans

The agency works with the client to develop and manage a debt management plan to satisfy creditor obligations, and resolve the client’s financial problems.

Note: DMPs are developed for clients based on their needs.

NA The agency does not provide debt management plans.

Rating Indicators
Full Implementation, Outstanding Performance
A rating of (1) indicates that the agency's practices fully meet the standard and reflect a high level of capacity.  
  • All elements or requirements outlined in the standard are evident in practice, with rare or no exceptions; exceptions do not impact service quality or agency performance. 
Substantial Implementation, Good Performance
A rating of (2) indicates that an agency's infrastructure and practices are basically sound but there is room for improvement. 
  • The majority of the standards requirements have been met and the basic framework required by the standard has been implemented.  
  • Minor inconsistencies and not yet fully developed practices are noted; however, these do not significantly impact service quality or agency performance.  
Partial Implementation, Concerning Performance
A rating of (3) indicates that the agency's observed infrastructure and/or practices require significant improvement.  
  • The agency has not implemented the basic framework of the standard but instead has in place only part of this framework.   
  • Omissions or exceptions to the practices outlined in the standard occur regularly, or practices are implemented in a cursory or haphazard manner. 
  • Service quality or agency functioning may be compromised.   
  • Capacity is at a basic level.
Unsatisfactory Implementation or Performance
A rating of (4) indicates that implementation of the standard is minimal or there is no evidence of implementation at all.  
  • The agency’s observed service delivery infrastructure and practices are weak or non-existent; or show signs of neglect, stagnation, or deterioration.  
Please see Rating Guidance for additional rating examples. 

Table of Evidence

Self-Study Evidence On-Site Evidence On-Site Activities
    • DMP procedures
    • Sample copy of the "Agreement for Services," "DMP Agreement," or other document that highlights client disclosures
No On-Site Evidence
    • Interview:
      1. Program director
      2. Relevant personnel
      3. Clients
    • Review client files

  • PA-FEC 7.01

    The client participates in the development of a DMP that includes:

    1. permission to contact client’s creditors to verify obligations and negotiate adjustments and payment schedules; and
    2. a payment schedule and budget for the repayment period.

  • PA-FEC 7.02

    All DMPs:

    1. reflect the client’s best efforts to repay debts he or she currently can afford in accordance with creditor policy;
    2. are established for no longer than 60 months without management approval or as provided by state law; and
    3. advise the client to close all lines of credit and refrain from obtaining future credit without consulting with the agency.

    Interpretation: Based on individual client needs, the agency may advise the client to retain one active credit card in good standing for emergency situations.

  • PA-FEC 7.03

    Clients receive and sign written materials from the agency that disclose:

    1. whether DMPs are used for secured, unsecured, or both forms of debt; and
    2. the dual role DMPs serve in helping clients repay debts and creditors receive monies owed to them.

  • PA-FEC 7.04

    Written materials disclose:

    1. client responsibilities;
    2. an enumeration of debts included in the plan and the proposed payment for each creditor; and
    3. the total debt owed as disclosed by the client, and the total DMP debt.

  • PA-FEC 7.05

    Written materials also disclose:

    1. that a creditor’s contribution to the agency, if any, will not affect the agency’s willingness to work with the client’s creditors;
    2. that the client’s account is always credited with 100 percent of the amount paid;
    3. that the client is responsible for alerting the agency to any discrepancies between its statement to the client and the amount posted on the statement from the creditor; and
    4. the impact of late or missed deposits to creditor payments and concessions.

  • PA-FEC 7.06

    The DMP agreement contains:

    1. the client’s signature, made before the initial disbursement;
    2. statement regarding the client’s right to cancel the DMP contract within a specified period;
    3. the estimated timeframe for completing service objectives, barring unforeseen developments;
    4. estimated finance charges or creditor fees associated with payment plans or extensions that may increase total indebtedness; and
    5. an estimate of total fees to be paid to the agency over the term of the agreement.

    Interpretation: Information listed above may be included in a similar document, such as an amortization schedule or payout schedule.

    Interpretation: Regarding bullet d, the agency may indicate that the estimated fees are based on current creditor polices and may change over time.

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