DMP Frequently Asked Questions

What is a DMP?

DMP stands for Debt Management Program. Sometimes CCCS will also refer to the same program as a DSP or Debt Solver Program. The debt management program is a very small part of the overall services of CCCS of South Texas. In fact, only about 1 in 5 clients go on to enroll in the DSP. The DSP is a program designed for consumers who are indebted beyond their monthly income sources. The DSP helps consumers pay back 100% of their debt and rebuild their credit.

What is the cost for the DMP?

There is a one time set up fee of $25 and a monthly fee of $25. The fees can be waived if necessary and CCCS of South Texas will never refuse anyone service based on the inability to pay. These fees goes to help pay for counseling staff, account management staff, utilities, phone service, and postage to name a few.

Does everyone qualify for the DMP?

First, there is no qualifying for the DMP. When you come in for counseling a counselor will meet with you and look at your income, expenses and debt levels. Only then can we determine if the DMP would be an option for you. Only 1 out of every 5 families we counsel with go on the DMP.

Can I keep one of my credit cards if I start the DMP?

No. Your agreement with CCCS is that you will not use credit while on the DMP. You must cut your credit cards up and close the accounts. You must be serious about getting out of debt and new credit will not aid in reducing debt levels.

I’m current with all my creditors. Can I go on the DMP to reduce my interest rates?

No. The DMP is for consumers who are beyond on their credit obligations. If you are looking for ideas to reduce your interest rates consider call your creditors. Some creditors may temporally reduce rates or perhaps transfer balances to a lower rate card if you ask.