I fully agree with everything you said

CCCs

I fully agree with everything you said in your reply. Not worrying about one’s credit and just concentrating on the future is the wisest advice. A credit report and score are nothing more that tools that the banks try to threaten people with.

Yes, I agree with a CCCS being a good option for people, but it is not the best option for some. CCCS have just as bad a reputation as Settlement companies, and sometimes even worse. So although I do agree with your assesment, I am in disagreement that it is a better solution.

Factually, I feel if someone can afford to do CCCS then they really don’t need it all as there are other products and services that could a better job with the negativity of the CCCS.

Again, thank you for the kind words. I feel that you giving out good advice as a whole.

I wish I would have taken the time to read

CCCs, Credit cards

Wow, I wish I would have taken the time to read this email closely when Max first sent it. This is good stuff folks, more than worth the price of admission around here 😉

The only thing I might add (hehe..you knew there had to be a catch) is that resorting to any of the debt settlement companies is an AWFUL solution. Maybe CCCS is the best of the bunch but only because they are funded by the largest credit card companies in the world so they have to actually pay the credit card companies when you pay them. Aside from CCCS you are way better off to deal with the creditors directly and not involve any of the other scam or non-scam companies.

As Jae so eloquently stated below you are ASSuming that the best option for you is also the option that has the least effect on your credit score. That’s an incorrect assumption. Forget the dang score….just pretend it never existed. Just stop doing anything not related to digging yourself out of this debt-filled-hole and concentrate on making wise decisions from today forward. In a few years when you’ve been smart, honest and faithful to paying what you can and dealing with your creditors fairly (after all, we all got ourselves into this mess. It’s their product, but we bought it) you’ll be able to do whatever you want to financially.

Buying a house or a car or a whatever from a position of strength …NOT weakness (debt) is a blessing.

Don’t let the idiot collection-monkey jump up and down in your ear.

Remember this each time you talk to them

  1. You have what they want (money)
  2. YOU get to decide what to do with YOUR money
  3. It’s not personal, they will say whatever it takes to rattle your nerves and make you mad (mad people make poor decisions)
  4. You are in control of the telephone receiver – it hangs up as well as it answers 😉