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Remember

We will have debt until death, but through CCCS we can be credit card debt-FREE!

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  1. Start by setting a budget. Know your monthly income. Know your monthly expenses.
  2. Make a list of all of your creditors from the largest to the smallest.
  3. Set a filing system to keep track of your bills, review them twice a month or every week in necessary. Don't review them all the time. It might overwhelm you. Set a time to review the bills so you keep on your plan.
  4. Set a plan to repay creditors. Notify your creditors of new addresses. If you're on a DMP, notify CCCS of all changes.
  5. Don't get a new loan to pay off old loans. That just adds thousands of dollars in interest. If you feel you have a good option, contact your CCCS counselor.
  6. Make every payment and don't miss a month. If you cannot make a payment, communicate with your creditors. STAY THE COURSE. FREEDOM FROM DEBT WILL COME.
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