Q: What is the difference between OCCA and a Not For Profit?
A: OCCA works for you, the consumer. Unlike other services, we do not receive funding or support from any of the creditors we are negotiating with. Remember, "Not For Profit" does not mean "Not For Income", and it certainly does not mean "Free". There are costs associated with every business.
Other companies factor their costs into the payment arrangement they make for you. Your creditor then 'kicks back' a portion of your payment to the other company, many times referred to as "a donation". This means they MUST get you on a payment plan, and it MUST be in the best interest of the creditor, or they will not receive any money for the work they do, and therefore will no longer be able to operate.
At OCCA we believe this is a conflict of interest. OCCA negotiates with your creditor with YOUR best interest in mind. Based on a repayment approved by YOU.