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