Lauri
Jacksonville,#2Consumer Suggestion
Thu, July 28, 2005
Teresa, If you had read your contract w/CCCS carefully, then you'd have known that by getting your default extended, it would have a negative impact on your credit. Of course, any CCCS program is voluntary...on both sides. Creditors DONT have to accept proposals, and you can drop them at any time. Your best bet is to review your credit bureau, then contact your creditors DIRECTLY. Don't complain about CCCS...they won't care. But they do want the $$ back. Most will work with you on a direct payment plan, or will refer you to the collection agency they have hired. No matter the situation, it's ALWAYS best to deal directly with your creditors.