Consumer Credit Counseling Service (CCCS)

Many consumers have turned to CCCS to solve their debt problems. The problem with CCCS is that most of the companies performing this service are owned or funded by the creditors! The result is that the concessions are not as deep as you can get with debt settlement. Usually, you get some off your interest rate but still have to re-pay 95 to 100 cents on the dollar over an average of 8 years. CCCS also is looked at in the same light as a bankruptcy by many lenders, so if you want to get any new credit in the next 8 years, this is not a good option for you.

In addition, CCCS requires you to close all your credit cards, while our debt settlement program does not!