Client Rights and Responsibilities

Family Life Credit Services Statement of Rights and Responsibilities

Each client or potential client of Family Life Credit Services (“FLCS”) is entitled to:

• a thorough budget analysis based on their financial situation.
• complete freedom in accepting or declining services, including the right to cancel the contract upon notice.
• budget counseling in person, and by telephone, mail, fax or internet as appropriate.
• be treated with courtesy and helpfulness at all times.
• receive recommendations and guidance that enhance the client’s financial and spiritual well-being.
• express dissatisfaction with any aspect of the program and receive an appropriate response.
• timely deposit and disbursement of payments.
• documentation by FLCS in the client’s file of all information pertaining to the account including a complete record of all payments and disbursements.
• a free Christian financial counseling Client Handbook.
• a complete file review upon request either by mail or in person.

Responsibilities

Each client of Family Life Credit Services is responsible for:

• disclosing accurate and complete information, including all credit outstanding.
• requesting creditors to remove credit insurance from accounts.
• changing creditor due dates to correspond with FLCS disbursement dates.
• monitoring monthly statements and other communications from both FLCS and the client’s creditors.
• informing FLCS of material discrepancies between our monthly statement and the statements received from creditors.
• notifying us of any changes in your circumstances.
• making the monthly deposit on a timely basis.
• informing FLCS of non-routine communications from creditors.
• maintaining the commitment not to take on new credit while on the program without first discussing the potential consequences with FLCS.