When I came to the realization that I was in need of a debt management program, I automatically made an appointment with CCCS. I left that appointment in tears after I was told by a CCCS staffer that, for me, bankruptcy was the only option. I refused to accept that, however. I came home and did some research on-line and found your agency. After one phone call your representative had me on track. Less than four years later I am able to say the words I’ve dreamed of saying – ”I AM DEBT FREE!“ I have your organization to thank for that and I am in your debt forever! – – No PUN intended!! Thank you for your help out of what seemed to be a hopeless situation.