I can't say enough good words about CCCS. They helped me reduce and then eliminate a heavy debt in less than the amount of time they originally forecast, and meanwhile provided great advice for helping me not to return to that situation. They were always very courteous and professional in our phone conversations, and the cost for their services is so negligible it seems like they're undercharging for the service they provide. The best advice I could offer is - first, try not to find yourself in my situation, but if you do, enlist the services of CCCS. They'll help you tremendously. I would ***definitely*** recommend them!