ࡱ>   bjbj Dd, %d d !!!5558mL5|<"b|d|d|d|d|d|d|~d|!   d|y|E+E+E+ d8!b|E+ b|E+E+k p{@>L5 |n8N||0|Vn'_!'pp'!p\ v2TE+Dd|d|g&|    'd m: State of Colorado Department of Law Uniform Debt Management Services Act 1525 Sherman St., 7th Floor, Denver, CO 80203 Telephone: (303) 866-4494 Fax: (303) 866-5474 E-mail:  HYPERLINK "mailto:uccc@state.co.us" uccc@state.co.us 2008 Annual Report - Colorado Debt Management Services Providers This is a composite of all reports made to the Administrator of the Uniform Consumer Credit Code, pursuant to 12-14.5-211(c)(8), C.R.S., from registered Debt Management Providers. This information has not been independently verified. 2008 GENERAL INFORMATION Number of Providers reporting data for 2008: 42 Total Number of Agreements Colorado Consumers Entered Into During 2008: 10,189 Total Activity for 2008 by Provider TypeCredit CounselingDebt Settlement Total Number of Agreements  7,342  2,847  Average Amount of Debt per Consumer $21,050  $30,788  Average Term of Agreement 40.8 Months  32.3 Months  Average Fees Collected  $495  $1,666  2008 CREDIT COUNSELING ACTIVITY Money received from Colorado Consumers  $ 90,907,711 Money paid to Creditors  $ 86,313,005  200820072006Total Number of Agreements 7,3428,0058,459Percent of Completed Agreements1.92%4.02%8.35%Percent of Active Agreements73.20%54.13%43.87%Percent of Terminated Agreements24.88%41.85%47.78% 2008 DEBT SETTLEMENT ACTIVITY Total Amount of Debt Covered Under Debt Settlement Agreements $ 72, 551,619 For Debt Settled in 2008: Original balance at time of enrollment: $ 17,983,083  Balance of debt at the time of settlement: $ 21,624,265  Settlement amount paid: $ 11,184,895 200820072006Total Number of Agreements2,8472,5281,357Percent of Completed Agreements0.84%4.31%7.81%Percent of Active Agreements70.78%43.91%38.91%Percent of Terminated Agreements28.38%51.78%53.28%  Credit Counseling providers work with a consumers creditors to establish a debt management plan that may include interest rate reductions, lower fees, and lower monthly payments. Plans typically provide full repayment of the principal amount of debt enrolled in the plan. Consumers make monthly payments to credit counseling providers. This money is held in the providers trust account. Funds are then disbursed monthly to creditors on behalf of the consumer.  Debt Settlement providers negotiate with a consumers creditors to settle debts for less than the full balance owed. Debt settlement providers do not make regular payments to creditors. Instead, consumers make monthly deposits into savings or special purpose accounts. Once a certain balance in the account has been achieved, the debt settlement provider attempts to reach a settlement with each creditor for less than the full balance owed.  Maximum allowable charges for Credit Counseling Providers may not exceed $50 for a monthly service fee and a one time $50 initial set up fee. 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