I've been using CCCS's services for over a year now and couldn't be more pleased. After accruing almost $25,000 in credit card debt, I found myself trapped and barely able to pay the minimum payments on my accounts each month.

While I take full responsibility for making such poor spending choices, I am incredibly thankful that I found a reputable company like CCCS to help dig me out of the mess I created. The staff is friendly and was very helpful in getting me set up on a plan that would fit my budget and help me pay off my debt sooner than trying to do it on my own. They worked with all of my creditors to get my finance charges reduced so I could finally start making progress on my balances again. And being able to make ONE monthly payment to be disbursed to all of my creditors was a huge relief.

All of my questions were answered (and believe me, I had a LOT of questions) by knowledgeable staff, which helped relieved so much stress on my end. I knew exactly where my money would be going each month, which helped me improve my personal budget and control my frivolous spending habits.

With almost a third of my debt paid off already, I feel relieved knowing that I will be debt-free once and for all, with CCCS's help.

Lastly, some suggestions for potential members: Ask questions! And be realistic with your expectations. Consolidated will help you reach your goals, but you have to be willing to do your share of homework in the beginning phases of the program. Have those monthly statements ready, be prepared to break down your monthly budget and be ready to stop using credit cards! As long as you're willing to follow those steps, CCCS will help you figure out the rest and get you closer to a debt-free lifestyle.