| CCCS is judged by many lenders as far more
damaging than bankruptcy. The truth is that most of these
"non-profit" services have been established by major credit card
companies specifically to circumvent the evenhandedness of bankruptcy
laws. Some of their tactics are downright fraudulent. Now that
bankruptcy laws have forever changed, you have fewer choices.
One of your remaining choices is Debt Settlement, where a creditor
agrees to accept a lump sum payment less than the full amount owed. |