CJA membership benefits are designed to aid consumers who are working with their creditors to settle or otherwise payback their unsecured debt either on their own or with the help of a debt management service provider.
The truth is, if you experienced a hardship and forced into a situation where you are unable to pay your creditors under their original terms, it can be a difficult, stressful process. As a CJA Member, you are not alone! Membership includes a dedicated consumer advocate who is there to help you create and execute your plan. Our advocates are knowledgeable and have the experience necessary to help make debt repayment as easy as possible.
In addition to a dedicated consumer advocate, benefits include:
- Money management and financial education advice and materials
- Budget, debt and financial hardship evaluations
- Debt dispute and validation
- Settlement proposal review
- DMP liaison services (for clients who chose to use a DMP provider)
- FDCPA enforcement
- Credit corrections services
