Debt Management Advices

Have you used Consumer Credit Counseling Service or Christian Crossroads Debt Management program?

If so please give me some feedback on your experience.

Public Comments

1. No I haven't. I made myself a budget on the computer and stuck to it. Before I spend my money I paid myself $50 and put it in a savings account, then I paid one credit card the minimum and one Credit card $ 50 more then minimum and the next pay I did it the opposite, this way I got down from the cards faster. It took me 2 years but I did it, even though I considered declaring personal bancrupcy but decided that I couldn't do it for embarrassment. I just stop spending and before I bought clothes I honestly cosidered whether I really needed them and then I checked out second hand stores and now that I have money, I still buy my jeans at the second hand store. Great jeans for $5, already soft and worn in and most are name brands, the same for jackets and coats. I found things that were brandnew, a spring jacket or $3.50 never worn. You need to be imaginative and patient when you look for stuff and want to save money. Good luck, maybe someone else can give you advise on the Credit Counselling Service.
2. I used Consumer Credit Counseling Services several years ago and was very happy. They worked with my creditors to lower both my monthly payments and interest rate. I was debt free in 36-months.