My first monthly payment was just extracted from my checking account and my creditors will receive the proposals within a week. So far, my experience with CCCS has been nothing but positive. They are caring prosfessionals who really want to help you; I never felt judged for my debt...they are there to help! It will take me 4.5 years to be out of debt, but this is a lot sooner than it would've taken on my own paying just minimum payments which is what I've been doing. I'm now on a budget and utilizing their resources to stay out of trouble with debt in the future. I feel like the weight of the world has been lifted from my shoulders and I can now sleep at night!