Trillis,I have read other posts here of ppl whom have used CCCS or other related services verus declaring outright bankruptcy. Take a look in the past post, I am not sure where but it was in the April time frame. The gist was that there is some serious repercussions on your credit History with regard to furture credit-worthiness. Granted its not bankruptcy but some companies and loan officers view it almost as if it were. Definitly obtain copies of your credit records to take a look what is notated on them. The few posts I have read on here make me more determined then ever to deal with my situation on my own w/o their help. Good luck to you. RobBottles
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