Do You Need to Join a CCCS - Consumer Credit Counseling Service?

Are you in a "debt hell"? If you are unsure, ask yourself these questions:

1. Do you have bill collectors calling you and home and at work, leaving annoying messages?

2. Are you afraid to open the door in the morning because you are afraid that the Sheriff's office has left a court goody for you?

3. When the phone rings, do you get butterflies in your stomach?

4. If you answer the phone and it's a bill collector, when they ask for you, do you reply "He/She's not in right now", or even just pick up the phone and then hang it up without saying who is on the other end?

5. Do you go for days on end without checking the mail because there are only bills there?

6. When you finally do get the mail, do you just throw it in some random location for weeks or even months without ever opening it?

7. Are you paying one credit card company's bill with another credit card?

8. Are your credit cards riddled with over the credit limit and late fees?

9. Do you only receive high interest credit card offers?

10. Have you applied for credit cards or car loans and been told that you had been denied because of bad credit?

11. Does your credit report show a lot of late payments, charge-offs, bad debt, 30 60 90 or 120 days late entries listed?

12. Does filing bankruptcy seem like your only way out?

Believe me, I know what you are going through. I was in this situation. I had recently moved from a large metropolitan area with decent pay, to a smaller area where the cost of living was almost just as high, and had to take almost a $20K paycut. On top of that, I just had a baby and was a single-mom to boot.

I had to