Proven, reliable credit solutions
CSM offers custom-tailored collection, credit reporting, and credit solution programs. If you have special account needs, bring them to our attention. We will design a program to fit your individual requirements and offer personalized services based on the strength of our experienced, highly-skilled professional staff.
I Owe Money
If you find yourself in a situation where you have been turned over for collections, we will work with you to make sure your debt is paid as quickly as possible so you can get on the road to improving your credit.
At this time we take payments in cash, check, credit/debit cards, or we can draft it out of your checking account (with your permission) - all at no additional charge to you. We accept the following credit cards:
You can make payments in person, in the mail, or over the phone.
Have credit problems or wondering if you can afford more credit?
One of the biggest questions right now is "Can I afford more credit?" To get your answer to that question, you need to consider your credit capacity, your monthly expenses, your monthly income, and what it all means.
Your Credit Capacity
Not too long ago, almost everything was paid for with cash, so the big question was "Do we have enough saved to buy this?" Today--thanks to credit--consumers can enjoy merchandise and services while paying for them. So now, the question is "Can we afford more credit?"
Being able to afford it depends more on the person than the income. Some with big incomes live beyond their means, while some with limited incomes are good money managers.
Always keep your credit capacity in mind:
- How is your take-home (not overall) pay?
- How does the amount of money required for regular living expenses compare with your total income?
How the Collection Process Works
When an account is submitted to Credit Services of Michigan for collections, this is the path it takes in its first 90 days in our hands.