Maintain your old Siemens Hipath system

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.

    In The News:

    North Korea fires submarine-launched ballistic missile, says South - and it disrupts Japan election campaign
    Tue, 19 Oct 2021 05:12:00 +0100
    North Korea has fired a submarine-launched ballistic missile from its east coast into the Sea of Japan, South Korea's military has said.

    'Baseless harassment of your favourite president': Trump defiant after being questioned in lawsuit over guards' alleged conduct
    Tue, 19 Oct 2021 01:11:00 +0100
    Donald Trump has been questioned under oath as part of a lawsuit where protesters allege they were violently attacked by his security guards.

    Biden leads tributes to Colin Powell: 'He could drive his Corvette Stingray like nobody's business'
    Mon, 18 Oct 2021 17:45:00 +0100
    US President Joe Biden has paid tribute to former US secretary of state Colin Powell following his death, saying he "could drive his Corvette Stingray like nobody's business".

    More than 5,600 prisoners to be released by Myanmar junta
    Mon, 18 Oct 2021 20:24:00 +0100
    More than 5,600 prisoners in Myanmar will be released by the military junta which seized power earlier this year.

    Homes collapse and at least 22 people killed as flash floods and landslides devastate parts of Kerala
    Mon, 18 Oct 2021 08:10:00 +0100
    At least 22 people have been killed in flash floods and landslides caused by heavy rain in the southern Indian state of Kerala over the weekend.



  • tikatoshop.it

    Erfahrungen mit Pallhuber Wein
    Agen Bola SBOBET Terpercaya

    Travel in comfort and at your leisure with CT Airlink Limousine & Car Service for top quality private transportation and exceptional customer service. We operate Sedans, SUVs & Vans for CT Car Services to covering all Connecticut airports including Car Service from CT to Newark Airport , Mohegan Casino Uncasville CT, Foxwoods Casino Mashantucket CT, Manhattan Cruise Terminal NYC, Brooklyn Cruise Terminal NYC and Bayonne Cruise Terminal NJ. CT Airlink hire licensed and friendly chauffeurs who have in-depth knowledge of the Areas.

    Tips To Take Control Of Debt Collection

    Yes, debt collection tips can help. You may think you... Read More

    Slowing Spending - The Key To Your Debt Plans Success

    Anyone who embarks on a debt reduction program should know... Read More

    What is Debt Settlement and How Does it Work?

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

    Eliminating Credit Card Debt

    The overwhelming task of eliminating your debts can often seem... Read More

    How to Negotiate Debt Settlement

    People over extend themselves financially as a result of a... Read More

    What Is A FICO Score?

    Your FICO score or credit score as it's commonly called... Read More

    How Do I Lower My Debt Burdens?

    How do I lower my debts?There are several ways of... Read More

    Debt Help and Advice for the UK

    At some time or another during our lives most of... Read More

    Bankruptcy: What the New Law Means to You

    On April 20 of this year, President Bush signed a... Read More

    Ten Ways to Get Out of Debt

    1) Use your AssetsIf you have assets with some significant... Read More

    What is Bankruptcy?

    Here is a useful guide to bankruptcy. It should be... Read More

    Think for a Change

    I'm not sure where it originated, but I've heard it... Read More

    Debt and Financial Optimism in the UK Continue

    With £1.3 trillion pounds worth of debt in the UK,... Read More

    Dealing with Thingitis

    Debt is quickly becoming an epidemic in America. However, through... Read More

    Purchase Your Future Now While It Is Still Inexpensive

    Leaving school, getting a new job, or even a raise... Read More

    Debt and Your Dreams

    You may not realize what that credit card bill is... Read More

    The Simple $10 Debt Elimination Solution

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

    5 Ways to Get Out of Debt

    It has been said that everyday more and more people... Read More

    How to Become Debt Free

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

    Debt Elimination Is The Key to Financial Freedom

    If you want financial freedom, the first thing that you... Read More

    Debt Management Systems

    What is a debt management system, and when do you... Read More

    What is Debt Settlement?

    Debt settlement is the process of negotiating with your creditors... Read More

    Getting Past The Idea Of Budgeting & Saving Money

    I'm sure you'll agree that budgeting, saving money, and eliminating... Read More

    Life on a Debt Management Program

    Signing up for a debt management program is easy; it's... Read More

    Questions to Ask a Credit Counseling Service about Debt Relief

    Debt relief is a topic on a lot of consumers'... Read More