Did Consumer
Credit Counseling Service of Hampton Roads help
me?
What
an understatement! They turned my
finances around. I was someone who always
used my credit cards. I know it was money,
but it really did not feel like it since my total
monthly payments were barely going up--the total
balance did not seem important.
Well,
what caused the problem was that once I was
reaching my limit, I would apply and receive a new
card and the process would start all over again.
This happened time and time again, until my income
could not support my habits or my monthly
payments. I then started to live off those
handy little plastic cards and that's when the
relight went on.
I
sought out CCCS of Hampton Roads on advice from a
friend. At first, I thought, OK, I will go,
but I am not having anyone tell me how to spend my
money. Well, to be honest, it was not
my money anymore...Most of my paycheck belonged to
the CREDIT CARD companies--NOT ME!
I
sat down with a very nice lady who showed me how
to watch my excess cash flow and how with effort,
I could be out of debt long before I expected.
She showed me that with only paying what I am to
day to my credit cards, it would take me over 35
years to payoff the $25,000 I had piled up over
the last 7 years of my life.
But,
the good news was that CCCS had a program that
could have me out of debt in only 4-5 years!
CCCS worked out a payment plan with my creditors
that reduced my payment and lowered the interest
rate on my credit cards; so, more of what I was
paying was actually going to payoff my balances.
Well, it has been two and a half years now
and I have paid off over $13,000 worth of debt and
I have even started to save a little (which
was not even a thought of mine two y ears ago).
I
cannot say how grateful I am to CCCS.
I would recommend this to anyone who pays only the
minimum each month. Because after two or
three years you could be over half the way out of
debt--compared to barely paying the interest.
Thanks
Consumer Credit Counseling Service of Hampton
Roads!
Mike-Virginia
