Ok, I'm just going to start another post. DOes anyone have any idea what kinds of fees or "donations" CCCS charges or any other kind of debt consol company?
Fees are assessed based on your particular circumstances & income. The general consensus is to not use CCCS, as lenders view it negatively when they see it on your credit report. Whenever possible, work out your own deal with the creditor. Otherwise, you could get a loan to pay off all your creditors, thereby leaving you with one bill to pay. The drawback...many people can't handle the consolidation loan payment either because the behavior that created the problem hasn't been dealt with.
