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2004-09-22T00:00:00.000Z

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Mr. Ron Ramos

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Background Information

Employment History

Chief Operating Officer

CCCS/SNE

Director of Counseling and Education

CCCS/SNE

Director of Counseling and Education

CCCS of Southern New England

Director of Counseling

Consumer Credit Counseling Service Of Southern New England, Inc.

Director of Counseling

Consumer Credit Counseling Service, Inc.

Affiliations

Board Member
Southern New England Credit Counseling

Web References (13 Total References)


CCCS Credit Advisors

www.creditcounseling.org [cached]

"This new service offered by NNNS allows us to create a seamless end to end client experience that provides exceptional client care in a cost effective manner," said Ron Ramos, COO, CCCS of SNE.

CCCS of SNE has provided NNNS with training, disbursement and ACH calendars, policies and procedures.
...
Ron Ramos says, "This new service allows us the opportunity to reduce fixed costs and allows us to transition to a variable cost environment."
...
For additional information on this new service, please contact Ron Ramos, COO at CCCS/SNE at 401.468.7124 or rramos@creditcounseling.org


USATODAY.com - Guidelines can help debt load

www.usatoday.com [cached]

After you file for bankruptcy, it's a good idea to talk to a credit counselor about restructuring your household spending so the cycle of debt doesn't start over, says Ronald Ramos, director of counseling and education at CCCS of Southern New England.

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Predatory Lending : Press Clips

www.acorn.org [cached]

As a yardstick for those with less-than-perfect credit, avoid loans with interest greater than 9.5 percent, said Ron Ramos, counseling director at Rhode Island-based Southern New England Credit Counseling.

Even if the higher interest appear to offer lower monthly payments, lenders take more out of your pocket by extending the life of the loan, he said.Over time, borrowers with lengthy loans may end up with car payments and car repair payments at the same time.
Ramos also urges consumers beware of adding fees into the total amount financed, which lenders offer to do in to "save" you money.Ultimately, though, you end up paying a lot more because you pay interest on the fees, he said.
Ramos said customers with poor credit should be extremely careful whether taking out a car loan or refinancing, because the interest rates can easily rise beyond a level that is manageable.
Southern New England Credit Counseling is conducting a survey to find out exactly what their clients are paying in car interest.So is the Connecticut branch of the Association of Community Organizations for Reform Now (ACORN), a national activist group known for fighting predatory lending in mortgages.


Consumer Credit Counseling Service

www.cccsinc.org [cached]

After you file for bankruptcy, it's a good idea to talk to a credit counselor about restructuring your household spending so the cycle of debt doesn't start over, says Ronald Ramos, director of counseling and education at CCCS of Southern New England.


USATODAY.com - Guidelines can help debt load

ads.usatoday.com [cached]

After you file for bankruptcy, it's a good idea to talk to a credit counselor about restructuring your household spending so the cycle of debt doesn't start over, says Ronald Ramos, director of counseling and education at CCCS of Southern New England.

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