Since when...

[rockstar666]

Does CCCS recommend bankruptcy?

I called them, talked to them, and laid everything out, and they suggested I file bankruptcy

[KJayEsq]

Ouch. Don't listen to them just yet. Have you read The Total Money Makeover?

[Heluvsme]

I would research all my options first! It's hard for me to say NOT to listen to them, but I think I would recommend Dave Ramsey first.....beans and rice, rice and beans. Do baby steps and you'll see how they can make a difference.

[Holly]

They tell you that if they aren't going to get much money helping you.
JMHO. I don't believe people need them they just need to rethink their own way out.
You can get yourself out of this debt.
it will take work and tighening your budget where you didn't think you could
but you can...
Good Luck and we're here for you.
Yes read Total Money Makeover by Dave Ramsey

[YankeeMom]

They offered bankruptcy to us as well. You don't have to do it just because they suggest it. We weren't behind on the important stuff like our house or vehicle (which is now paid off) or utilities. Just the damn blood-sucking credit cards. We just went with their plan for paying it off. We've been doing it a little over a year now and have paid over $32,000 and are more than halfway done!!

[YankeeMom]

Can't edit...

A true Consumer Credit Counseling Center doesn't make much money on helping a people get out of debt anyway. They are a not-for-profit agency.

I think CCCS is an excellent option. They can negotiate with your creditors to lower interest rates, get them to stop the over limit/late fees, and accept a lower payment. Those are all things that are VERY hard, if not impossible, for the average joe to do.

When CCCS offers these things, the creditors know that the person is committing to paying off the debt. When the average joe tries to do the same thing, creditors don't get that same 'security'.

[McD]

I don't have much experience with cccs. But, if you are comfy with it, you can post your debts, budget, income, expenses, etc and we can try and help you come up with a plan.