Drug testing

Should You Join a CCCS - Consumer Credit Counseling Service for Debt Relief and Financial Freedom?

Do You Need to Join a CCCS - Consumer Credit Counseling Service?

Are you in a "debt hell"? If you are unsure, ask yourself these questions:

  • Do you have bill collectors calling you and home and at work, leaving annoying messages?

  • Are you afraid to open the door in the morning because you are afraid that the Sheriff's office has left a court goody for you?

  • When the phone rings, do you get butterflies in your stomach?

  • If you answer the phone and it's a bill collector, when they ask for you, do you reply "He/She's not in right now", or even just pick up the phone and then hang it up without saying who is on the other end?

  • Do you go for days on end without checking the mail because there are only bills there?

  • When you finally do get the mail, do you just throw it in some random location for weeks or even months without ever opening it?

  • Are you paying one credit card company's bill with another credit card?

  • Are your credit cards riddled with over the credit limit and late fees?

  • Do you only receive high interest credit card offers?

  • Have you applied for credit cards or car loans and been told that you had been denied because of bad credit?

  • Does your credit report show a lot of late payments, charge-offs, bad debt, 30 60 90 or 120 days late entries listed?

  • Does filing bankruptcy seem like your only way out? If you related to at least two of those items, chances are you would benefit from a consumer credit counseling service.

    Believe me, I know what you are going through. I was in this situation. I had recently moved from a large metropolitan area with decent pay, to a smaller area where the cost of living was almost just as high, and had to take almost a $20K paycut. On top of that, I just had a baby and was a single-mom to boot.

    I had to "live", and with a $20K cut, it didn't leave me with a choice (or so I thought) other than to not pay bills and get the things I needed (baby formula, diapers, etc.). Let me tell you, I was depressed. I didn't open my bills for months at a time. The phone would ring every morning staring from 8 am and continued until 9 pm at night. Bill collectors would call me at work and leave messages with their "800" numbers with co-workers if I wasn't there. It was so embarrassing. I went on like this for about a year before I finally decided to find that I had to do something.

    I had seen ads on TV for debt consolidation and consumer credit counselor services "CCCS" offering freedom from financial worries and the opportunity to gain your life and dignity back, but for some reason, didn't take the plunge. One day I was talking with a friend and they told me how they had joined Consumer Credit Counseling Services (CCCS) and they were very relieved and financially stress free. CCCS was able to contact all of the creditors that they had credit card balances with and was able to either reduce their credit card interest to interest rates that were one digit and in some cases down to 0% interest! Consumer Credit Counseling Services was also able to eliminate most of their late fees and over the credit limit fees so that when they made payments, it went directly to their credit card balances and helped them pay it off their debt quicker.

    All of this information was exciting and sounded very promising to me, and now I had someone that I knew telling me how it worked for them, so it became much more realistic. I searched the yellow pages for the credit counseling agencies and the found my local branch of Consumer Credit Counseling Services. I called them up, made an appointment and went in. I was assigned a counselor and met with her for about an hour. When I walked out, I had a huge sense of relief. I was setup with a plan of action for how my debt was going to be blasted away. I was assured that the annoying and harassing debt collection phone calls were going to cease. I was only going to have to concern myself with making one payment to my local CCCS office, and they would take care of the hassle of sending all of the credit card payments out to my other creditors. In two years, I was going to be debt free.

    If you are in a similar situation, I urge you to look into consumer credit counseling services. They can get you back on track, reduce your stress, improve life for you and your family and change your life overall for the better.

    Christina Khan has experienced first hand the benefits of joining a consumer credit counseling service organization. She runs a consumer credit counseling service CCCS blog where she and others can share their experiences and offer advice on consumer credit counseling services. You can find her credit counseling debt relief blog at cccs-credit-counseling.blogspot.com.

    limousine chicago service
    In The News:

  • Debt Elimination 2

    The First Step To Debt EliminationRegardless of your personal and... Read More

    The Human Side - Debt Stress

    In all the technical discussion you hear about credit... Read More

    A History of Money and Banking Secrets That Banks Dont Want Published

    A History of Money and TradeTo start with a history... Read More

    Debt Problems? You Can Negotiate With Your Creditors

    It is always possible to negotiate with creditors ? even... Read More

    The Five Most Popular Questions About Bankruptcy

    WILL MY CREDITORS STOP HARASSING ME?Yes, they will! By law,... Read More

    How to Become Debt Free

    In today's consumer society it is all too easy to... Read More

    Reducing Debt Before Its Too Late - How to Avoid the Pitfalls of Creeping Debt

    Reducing debt usually isn't a high priority for people until... Read More

    Help for the Single Mother with Managing Credit and Debt

    Today's consumers benefit drastically from the usefulness of credit. Credit... Read More

    Credit Repair? Its All Up to You

    Log onto to a search engine such as google.com and... Read More

    Debt Consolidation Versus Debt Negotiation

    Debt consolidation versus debt negotiation are two options that are... Read More

    Is Filing for Bankruptcy an Option for You?

    Bankruptcy laws give debtors a way to resolve debt by... Read More

    What is Debt Settlement and How Does it Work?

    Debt settlement involves negotiating with a creditor or creditors to... Read More

    Should You Invest In Savings Or Payoff Your Debts?

    I have faced this financial question 8 years ago and... Read More

    Yes to Less Debt

    Feeling stressed by the amount of debts you have? Three... Read More

    Start Small and Your Wealth Will Get Bigger

    We've all heard the phrase, "You have to start somewhere."... Read More

    New Bankruptcy Law ? Where?s the Consumer Protection?

    On April 20, 2005, President Bush signed into law the... Read More

    The Simple $10 Debt Elimination Solution

    Ask a friend what resolutions they made for 2004 and... Read More

    Bouncing Back from a CCJ

    Should you be unfortunate enough to face a CCJ ?... Read More

    New Bankruptcy Law ? Five Essential Things to Know

    Last April, Congress passed the Bankruptcy Abuse and Consumer Protection... Read More

    New Bankruptcy Law Will Not Protect You from Identity Theft

    Recently passed by Congress with overwhelming support, the oddly-named Bankruptcy... Read More

    Life After Bankruptcy

    Bankruptcy and Credit - What Happens After Your Debts Are... Read More

    Currency Trading Fee Concept

    Troubles with Global Economy; Do you see future problems with... Read More

    You Can Make Financial Resolutions Anytime

    The New Year often brings with it a desire to... Read More

    Establish Money Saving Goals For Added Success

    Having something tangible to strive towards can work wonders for... Read More

    Dont Let The Good Times Bury You

    It is vital to get rid of debt while things... Read More

    outdoor walkway lighting induction street light specifications Pete's produce ..