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Debt Management
Case Studies

Meagan is from Burbank, California and in October 2008 she owed $69,061 from 6 different credit cards and other unsecure debts, with interest rates from 13% to 30%. Her monthly minimum credit debt payment was $2,097, and she was on track to take 19 years to pay off her debt. Her FICO? score was 498.

After providing Meagan with free credit counseling, a debt management plan was proposed with a new monthly consolidated payment of $1,673, at an average interest rate of 16%. Total time to pay off her debts: five years. 13 months after enrolling in the plan, her credit score had risen to 572.

Meagan benefited from concessions offered by her creditors which lowered her interest rates to an average of 16% and her monthly payment by $424. More importantly, this new consolidated lower monthly payment will enable her to pay off the entire $69,061 in 5 years. In addition, Meagan?s credit score increased 74 points in just one year now that she is current on all of her debts and made all her payments on time each month.

Note: This is an actual Springboard DMP client. The client?s name and possibly location has been changed to protect their privacy. Read More Debt Management Case Studies >>

Privacy Policy



About Springboard Our agency, Springboard, is committed to assuring the privacy of individuals and/or families who have contacted us for assistance is held in strict confidence in compliance with the Gramm-Leach-Bliley Privacy Act except as authorized to be released by you. We assure you that all nonpublic personal information shared both orally and in writing such as your name, address, telephone number, assets, liabilities and any other personal information concerning your finances will be managed within legal and ethical considerations. Your nonpublic personal financial information will not be released to any entity except under the conditions listed below.


The following PRIVACY PRACTICES detail circumstances under which we may release your information to a third party as permitted by law:


  • When you have provided a request to do so or when our staff has been served by a valid subpoena.
  • We may compile data and aggregate information that you give to us, but this information may not be disclosed in a manner that would personally identify you in any way.
  • We restrict access to nonpublic personal information about you to proper agency staff, contractors or agencies with legitimate authority to provide services to you, or to monitor agency practices, review your file for quality assurance or compliance purposes. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
  • Certificates certifying completion of counseling or education which may contain identifying information may be given to a third party upon your written or verbal authorization.

Springboard reserves the right to change the Privacy Policy from time to time at its sole discretion, without notice as permitted by law.



You may access or correct your personal information and privacy preferences by writing or calling Springboard at:

SPRINGBOARD
Non-Profit Consumer Credit Management
P O Box 5438
Riverside, CA 92517-5438
Phone: 1.800.947.3752
Fax: 1.951.781.8027
Email: Springboard@credit.org

Please include your name, address, and/or e-mail address when you contact us.

Monitoring of Phone Calls

Springboard may monitor and/or record out-bound and in-bound telephone calls for quality assurance purposes. Any recording or information obtained from monitoring phone calls is held in the same strict confidence as all the information we gather.

Privacy-related complaints

If you believe that Springboard has not complied with this Privacy Policy with respect to your personal information, you may write Springboard at the address indicated above. In your letter, please describe in as much detail as possible the ways in which you believe that Springboard has not complied with this policy. We will investigate your concern promptly.

Site usage

When you submit information to Springbard on this site, you understand and agree that this information may be transferred across national boundaries and may be sorted and processed in any of the countries in which Springboard and its affiliates and subsidiaries maintain offices, including without limitation the United States.

We do NOT knowingly collect personally identifiable information from children under the age of thirteen. Children under the age of thirteen may not submit any personally identifiable information to Springboard.

If you do not agree to these terms, please do not access or use this site. Springboard reserves the right to change the Online Privacy Policy from time to time at its sole discretion. Your use of this site will be subject to the most current version of the privacy policy at the time of such use. This privacy policy only applies to online communications. Springboard reserves the right to implement different policies regarding off-line communications.

Springboard is not responsible for the content or privacy practices of non-homeownership.org, non-credit.org or non-bkhelp.org Web Sites to which Springboard may link.

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