| Do You Need to Join a CCCS - Consumer
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| | over the credit limit and late fees?Do
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| Credit Counseling Service?Are you in a
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| | you only receive high interest credit
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| "debt hell"? If you are unsure, ask
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| | card offers?Have you applied for credit
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| yourself these questions:Do you have bill
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| | cards or car loans and been told that you
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| collectors calling you and home and at
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| | had been denied because of bad
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| work, leaving annoying messages?Are you
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| | credit?Does your credit report show a lot
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| afraid to open the door in the morning
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| | of late payments, charge-offs, bad debt,
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| because you are afraid that the Sheriff's
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| | 30 60 90 or 120 days late entries
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| office has left a court goody for
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| | listed?Does filing bankruptcy seem like
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| you?When the phone rings, do you get
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| | your only way out?
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| butterflies in your stomach?If you answer
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| the phone and it's a bill collector, when
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| | If you related to at least two of those
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| they ask for you, do you reply "He/She's
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| | items, chances are you would benefit from
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| not in right now", or even just pick up
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| | a consumer credit counseling
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| the phone and then hang it up without
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| | service.Believe me, I know what you are
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| saying who is on the other end?Do you go
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| | going through. I was in this situation. I
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| for days on end without checking the mail
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| | had recently moved from a large
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| because there are only bills there?When
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| | metropolitan area with decent pay, to a
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| you finally do get the mail, do you just
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| | smaller area where the cost of living was
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| throw it in some random location for
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| | almost just as high, and had to take
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| weeks or even months without ever opening
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| | almost a $20K paycut. On top of that, I
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| it?Are you paying one credit card
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| | just had a baby and was a single-mom to
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| company's bill with another credit
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| | boot.
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| card?Are your credit cards riddled with
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