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I finally took the bull by the horns
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That is the key! And if you needed help to get there, there is nothing wrong with that! I am familiar with CCCS, they are really great.
A word of caution, making sure all your debt is paid on time each month is still YOUR responsibility, ensure you don't get burn if they make a mistake.
Although, at Payment #22 out of 43 and no problems, that is a great record.
The other 21 will go faster than you know and you'll be dancing the
I am debt free dance!!!