Hi soblue,Have you tried contacting your credit card company directly and working out a repayment plan? Several companies have their own set of repayment programs, often at a reduced interest rate. The company I used to work for even had a zero/zero plan: zero interest and zero fees for 6 months if you made a fixed payment on time for the entire period (about 2% of the original balance per payment).Card issuers do have an incentive to set up some programs on their own b/c an account that is being worked through CCCS has 15% of the payment going to CCCS and not the credit card company. Reps who handle financial hardship cases usually have part of their performance ratings based on how many people they can get on these programs instead of declaring bankruptcy immediately, so the people you talk to do have incentives to see if the company can offer you any options.Overall, CCCS is a very good suggestion -- probably the best I could think of. Just wanted to make sure you know that you have an option of negotiating with your credit card company directly, if that helps at all.Best wishes,YH
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