Much has been written about "the truth of bankruptcy." However, I have yet to read anything anywhere about "the truth about consumer credit counseling." The fact of the matter is that consumer credit counseling (CCC), for the most part, does not work. They cannot get any better results than you can do calling your creditors directly. Many times they charge fees even though they claim to be "not for profit." Further, they get "kick-backs" from your creditors every time you pay. I can't tell you how many times clients, after paying thousands and thousands of dollars in CCC, and not getting anywhere, finally come to see us for some real debt relief. For more information on the risks involved with CCC, click here to read Credit Counseling, an article that appeared in the Fall 2003 issue of the National Consumer Law Center's newsletter, Outlook (this article is available through the permission of the NCLC; copyright 2003 National Consumer Law Center). It may be helpful to you to come up with some hard numbers that tell you how much you are spending and that help you decide whether you should pay off your debt or save that money. The two calculators below will assist you in making those calculations. Simply click on the appropriate link. How much am I spending? Should I pay off debt or invest in savings?   || Bankruptcy || Personal Injury || || Consumer Credit Counseling || || Attorney Profile || Contact Info || Home ||   Humble Law Offices * Phone 716-664-2889 E-mail shumble@humblelaw.com