Consolidated Credit Counseling Services Great for Managing Finances

Consolidated Credit Counseling Services is an excellent debt consolidation company. Having dealt with numerous calls from my creditors, and feeling the pressure of mounting bills and late fees galore, I gave in to and explored the option of debt consolidation in early 2006. It is a scary process for anyone to enter. No one wants to admit that they have gotten to the point where almost every credit card is "maxed" out, and you can no longer afford to make the minimum payments on every card.

When you do come to the point of giving into reality, I highly recommend turning to Consolidated Credit Counseling Services to begin your debt consolidated process. Begin by stopping by their website at http://www.consolidatedcredit.org. Directly from their secure site, you can begin the process of listing all the debts you want to consolidate along with contact information.

Once you submit that information, a debt consultant will contact you to discuss your estimated monthly payment and will work with you and your creditors to bring down your current interest rate. Sometimes, they can also have the creditors drop the late fees if you are already behind on payments.

Once the creditors are on board, they will notify you of the small activation fee of around $50, and the due date of your payment. You can choose to have it auto-withdrawn from you bank account for just $5.00 per month additional to your payment.

CCCS takes the time to work with you so that you feel comfortable entering into a debt consolidate agreement. I am just over two years into the program, and already my debt is paid in half. It is so exciting every month to get my credit card statements to see those low interest rates, and how quickly the debt is lowered.

If I had stayed on the path I was in 2006, I am sure my debt would still be the same, if not more from high interest rates and only making the minimum payment. As hard as it is to admit defeat, it was one of the best financial decisions I have ever made to improve my financial future.