We used CCCS about 30 years ago when we were on the verge of declaring bankruptcy. We were deeply in debt and getting collection calls daily. The very day we signed up the phone calls from creditors stopped! With their help, it took us 3 1/4 years to get out from under the financial burden - and it worked. They are realistic about what you can afford to pay toward your debt every month, and the classes and exercises help you to realize where all of that money is going from your wallet. We have recommended their services to several people over the years, and can't praise them enough. Today, with incredible plans by my wife over the years, we enjoy an amazing credit score. If you're in financial trouble, call CCCS!