I see your point. But I disagree, they do benefit and provide value;
I consulted with the same company CCCS, they are great, but after they helped me analyze my situation I chose not to hire them and do it myself, which is what I have been doing. They continue to help me for free over the phone and via email.
But I didnt have 106k in debt and I felt capable of doing it on my own.
I think it does make sense in some cases to pay someone else to do it for us , we need to be accepting of our own limitations.
What is worse?,To pay $50 a month to have someone manage your debt for you and get out of debt OR
Not pay $50 a month but stay on debt because you are not capable of doing it alone?
I hire services, I dont do my own landscaping, not even my own taxes, I see how someone need to hire services to manage debt. It is not a reflection of a person being defective or stupid, we are not good at everything.
Good for them for getting the help they needed, it takes courage.
Can you do it on your own, for free? Absolutely! Will you? That is another story.
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