We recommend CCCSI to anyone in need of paying off any substantial amount of debt as painlessly as possible.
We just made our final payment on nearly $50,000.00 of credit card debt on just three cards.
Before CCCSI we had been making payments that were less than the minimum so each month we were incurrinig late fees on top of the high interest rates.
CCCSI arranged to have our extremely high intrest rates eliminated on two cards and reduced the third from 29 to 6.
What this did was establish a fixed balance so that with each payment we actually saw our balances decrease.
We were told that based on the total and the amount we could afford to pay CCCSI monthly our debt would be eleminated in three and one-half to four years! Just before the three year mark we had to work with CCCSI and the card owners to reduce our commitment. CCCSI did all the work and acquired a reduced payment we could guarantee.
We finished our commitment and paid off EVERYTHING in three years and eight months!!!
My main reason for contacting CCCSI was that they were advertised as a "not for profit" debt consolidator. Knowing that "not for profit" does not mean "at no cost" I was aware that this was going to cost something; but $5.00 per month was unbelievable!!! The last thing I wanted was to become involved with an entity which would attempt to profit off of peoples misery and dispair when they were attempting rectify their financial state.