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Frequently Asked Questions (FAQs) - Accounting FAQs
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Why does my payment not appear on my billing statement?
Some account payments are due on the 1st of each month and some payments are due on the 15th of the month. Payments should be received by those dates. If a customer's payment due date is the 1st of the month, the payment is considered current if it is received by the 10th of the month. If a customer's payment due date is the 15th of the month, the payment is considered current if the payment is received by the 26th of the month. If a payment is not received by these dates, it will not appear on the following month's billing statement and will be considered past due.
To what address should I mail my payment?
Each customer receives a number of address labels with his/her first billing statement. These labels should be used when remitting monthly account payments. If a customer does not have address labels, payments should be sent to The Catholic Cemeteries Association, P.O. Box 641561, Pittsburgh, PA 15264-1561. Only monthly payments should be sent to this address. Any other correspondence should be sent to The Catholic Cemeteries Association, 718 Hazelwood Ave., Pittsburgh, PA 15217. Customers may call the accounting department and request additional mailing labels.
Why I am I being charged a finance charge?
Some customers may receive a billing statement that shows a finance charge paid with the last payment. This finance charge is the interest due on the account at the time the payment is received. The interest is paid every time a payment is received after the interest free period has ended. There are a number of different financing terms that include interest. All contract terms include an interest free period. This interest free period begins with the first payment due date and may last 24 or 36 months, depending on which financing term a customer chooses at the time of purchase. After the interest free period ends, interest will begin to accrue with each payment made on the account until the account is paid in full. The interest is calculated based on the account balance at the time of the payment and the number of days between payments. The amount of interest paid each month, after the interest free period, will appear on the monthly statement.
What is my payoff balance?
On the remittance portion of each billing statement there is a line that states, "If you wish to pay off your account, please call 412-521-9133." We ask that customers call and speak with someone in the accounting department, so that he/she may obtain the exact amount due in order to pay his/her account in full. If a customer has not yet reached their interest bearing period or has a contract term of 24 or 36 months interest free, he/she may pay the the balance due shown on their most recent billing statement. Customers in the midst of their interest bearing period will need to speak with someone in the accounting department to obtain his/her payoff balance. Because the interest due is calculated based upon the the balance due at the time of payment and the number of days between the receipt of the payments, we will need to ascertain the approximate date the payment will be received in order to give the customer the correct payoff balance, which will include the total interest due on the day the payment is received.
May I pay more or less than my monthly payment amount?
Customers may always make additional payments on account. By making additional payments a customer may reduce the amount of interest paid over the term of the contract. His/Her monthly billing statement will also state the the account is paid ahead. Otherwise, customers must remit the minimum payment amount or the account will be considered past due.
Why did I receive a statement if my payments are automatically withdrawn from my bank account?
All customers receive a monthly statement regardless of the method of payment. The statement will show the amount of principal and interest paid, as well as the account balance.
How do I arrange to have my payments automatically withdrawn from my bank account?
If a customer wishes to have monthly payments automatically withdrawn, he/she may call the accounting department and request an "Authorization Agreement for Preauthorized Payments (Debits)" form. You will receive a form with instructions to complete and sign the form and return it to the accounting department along with a voided check. By signing and returning the form, you will authorize The Catholic Cemeteries Association to withdraw your monthly payment amount from your bank account each date your payment is due.
I would like to cancel my account. May I receive a refund of my payments?
Contracts may be cancelled under certain circumstances. If you wish to know if you are eligible to cancel your account and receive a refund, you must call and speak with someone in the accounting department.
I received a letter stating that my account was cancelled and I have a default credit. May I receive a refund for that credit?
If a customer's account is cancelled because of default, he/she may not receive a refund but may use the credit toward a new purchase from CCA. A customer has one year from the date of the cancellation to use a "default credit."
My account was cancelled for default. How may I reinstate my contract?
Once a contract is cancelled because of default, it cannot be reinstated. In this case, a customer will need to get in touch with a counselor at the cemetery in which he/she originally made a purchase. The cancelled items may be repurchased at the current prices and the customer's default credit may be used toward that purchase.
What is the effective interest rate used to calculate the interest on my account?
Please call and speak with someone in the accounting department to request information regarding the annual interest rate.
Is there a penalty for paying an account off early?
There is no penalty for paying an account off early. A customer may pay his /her account in full at any time. By fully paying the account early, a customer may pay less interest than estimated on the original contract.
How do I know I am being charged interest?
The interest paid on an account will appear on the monthly billing statement after the interest free period has ended. The statement will show the amount of principal and interest paid on the account each time a payment is made.
May I change my financing terms?
The financing terms are chosen at the time of the original purchase. Once the contract is signed and processed, in most instances the financing terms cannot be changed. If a customer signs a 90 day contract and is unable to pay the contract in full within the 90 day period, he/she may sign a new contract with longer financing terms. This is the only circumstance in which financing terms may be changed.
Will I get a paid in full receipt when my account is paid off?
If a customer purchases property in a cemetery, such as a lot, a crypt space or niche space, he/she will receive a "Right of Burial Certificate" for that property within 6 to 8 weeks after the final payment on the account is received. For purchases that do not include burial spaces, a "Right of Burial Certificate" will not be received. If a customer wishes to receive some type of notification that his/her account is paid in full, he/she may call and speak with someone in the accounting department and request a "Payment History Report." A "Payment History Report" will show the total amount of the payments made on the account, as well as the amount of principal and interest paid. Once a report is requested, the customer should receive the report in the mail within 10 business days.
May I change my payment due date?
Each customer may choose his/her payment due date when the original sale occurs. Payments are due either on the 1st of the month or the 15th of the month. A customer may elect to change his/her payment due date at anytime during the term of the contract.
I am moving, how may I change my address and phone number?
A customer may call and speak with someone in the accounting department to change his/her address and/or phone number.
What should I do if I receive a letter stating that my account is past due?
A customer will receive a "past due" letter when payments are 30, 60 or 90 days past due. If a customer receives a past due letter, he/she should call and speak with someone in the accounting department about his/her payment situation. Arrangements may be made with the customer to make some type of payment to keep the account from being cancelled. If a customer receives a 30, a 60 and a 90 day letter and does not contact someone in the accounting department, the account may be cancelled because of default. Once an account has been cancelled it cannot be reinstated.
Call us at 1.866.794.5081 for more information...