Hi all! I've been working with CCCS for about a year, and my experience with them hasn't been bad, yet I'm also loathe to continue with them for a few reasons...one, you must pay by money order or chashiers check...which involves a trip to the bank once a month. This is very difficult considering my work schedule. Secondly, I need to drive 30 miles one way to deliver the check to the nearest office (I'm not brave enough to put a money order or cashiers check in the mail). Thirdly, in the year I've been with them, they have messed up my account several times in several ways...not major stuff, but enough to bump up what I owe to the CC companies...I'm $1000 over the amount I'm supposed to be at by now. Lastly, the payment I'm making to them is so high that I have barely enough money left to buy food after all of my bills are paid. I can wear old clothes, but I am terrified that my car will break down or something else will happen in the next 4 years. Does anyone have any suggestions (besides get a second job...my primary one keeps me going at all hours)? Oh, by the way, I haven't met with a coundelor since I joined...they seem to be overstaffed or something. I had understood we would be meeting periodically. I'm kind of at a loss, and bankruptcy sounds awful.