I almost made that call to the bankruptcy attorney but instead picked up the phone and called Consolidated Credit Counseling Services. It was the most important phone call I would ever make. I had close to $30,000 in credit card debt, racked up from my college years and beyond. Before I joined the CCCS program my interest rates were outrageously high, and just making the minimum monthly payments got me nowhere. That looming debt was my constant burden. I thought I would never be free of debt, but I stuck it out and this month is my final month with CCCS. I will begin the new year credit card debt free! I never thought I would speak those words but I can honestly say that CCCS changed my life and has given me an opportunity for a new beginning.