Credit Counseling Client Profile

With a well-paying job in Virginia, Bob V. never thought of himself as a debt risk. But after a divorce his finances spiraled out of control. He quickly racked up tens of thousands in debt. Realizing that he needed help, Bob turned to a Consumer Credit Counseling Services agency (CCCS). "I just recently finished repaying my debts," he says. "Your Consumer Credit Counseling Services specialists really know how to take control of the situation and get you on a good track."

"I was drowning with more debt than I could handle."

Bob was struggling with financial and emotional challenges. "It was bad enough acknowledging a failed marriage, but I also had no idea how I'd handle all of 'our' debt alone." More than anything he wanted to clear his credit record by paying off his mounting debt. "But I didn't know how I'd be able to do it on my own."

"I saw results of the Consumer Credit Counseling Services plan in just two months."

Bob's Consumer Credit Counseling Services specialist arranged to lower his monthly payments and interest rates. In meetings with her, Bob learned what to look for in credit card company contracts and bills, particularly how quickly fees and penalties can add up. He learned to create and manage a personal budget, spending carefully instead of racking up more debt.

Bob admits it was tough going at first. But his consumer credit counselor encouraged him to stick with the program to reach his goals. "I felt as though someone actually cared about me and my future," Bob says. "What a relief."

"Seek help sooner rather than later!"

For Bob, the key to solving his debt problems was to seek help quickly. "Don't be shy and don't drown in useless feelings of guilt," he advises. "It's over; get on with paying the Piper. We all have our sob stories, but help is not far away."

Bob found a reliable Consumer Credit Counseling Service agency focused on offering clients a financial management education. He checked to make sure the company was listed with the Better Business Bureau and the National Foundation for Credit Counseling.

"I have a hard time picturing where I'd be now if it weren't for your Consumer Credit Counseling Services agency," says Bob. "They delivered on their commitment. There aren't too many companies that do that."