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The first option a great number of debtors research is the route of CCCS. This avenue if deligated properly will achieve the goal of getting someone out of such a rough financial time. However in this economy right now the vast majority of consumers can’t afford to finish a consumer credit counseling program. In most cases it will cost around the same as the monthly minimum payments cost and a lot of people honestly cannot make their minimums each month. Beware if you miss one installment on a credit counseling program you will be kicked off the program and lose the advantages of lower interest and consolidated payments. When you want to get rid of debt call a competent company.