jenrose66
DIS Veteran
- Joined
- Mar 17, 2005
Has anyone ever used Consumer Credit Counseling. I used to pride myself in taking such good care of the finances but since we started having kids things have slowly gone down hill. I'm not in huge trouble, but we've started to carry a balance on our credit cards...more than I'm comfortable with.
I know that they don't reduce the debt...rather just kind of consolidate right??and you also have to stop using the credit cards...I believe that's the deal.
I don't doubt we'll be able to catch up on our own...and I know my credit will probably take a hit...but I also don't want to keep living on plastic and even though we say we won't use the cards I can't seem to cut them up...I think I need them taken away.
Anyway, just looking for anyone's personal experience with this.
Thanks
I know that they don't reduce the debt...rather just kind of consolidate right??and you also have to stop using the credit cards...I believe that's the deal.
I don't doubt we'll be able to catch up on our own...and I know my credit will probably take a hit...but I also don't want to keep living on plastic and even though we say we won't use the cards I can't seem to cut them up...I think I need them taken away.
Anyway, just looking for anyone's personal experience with this.
Thanks