Credit Counseling and Management Services Non-Profit
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BCA's Summary and Analysis:
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This company's business is credit counseling services.
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Nonprofit credit counselors are exempt from the licensing requirement for companies performing similar services if, among the other requirements for exemption, they maintain a $25,000 bond with the Commissioner of Business Oversight. You may verify bonding by calling the California Department of Business Oversight at (213) 576-7500 or visiting their website at http://www.dbo.ca.gov. For businesses outside of California, please check with the agency that regulates this industry.
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Credit counselors perform services that include education and counseling and debt management, whereby they collect money from you and make monthly payments to your creditors. Credit counseling organizations are nonprofit organizations and are, therefore, exempt from the provisions, including licensing, that would otherwise apply. They are subject to limitations on what they can charge you. For example, if they make payments to your creditors of $300 in a month and may charge only the lesser of 8 percent or $35, their charge could be no more than $24. Debtors may not realize that if their creditors do accept a negotiated settlement, the amount forgiven constitutes taxable income. For businesses outside of California, please check with the agency that regulates this industry.
We know of no other matter or practice relating to this company that may assist you in your consideration of this company.
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