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I had 20K in debt about 15 years ago, and this place did a great job of talking to my various creditors to 0%, and only 1 of them wouldn't go to 0%. I was saving more than 400 a month with my consolidated payment to C.C.C.S., and used that extra $ to save and pay off the creditor who didn't want to go to 0%. After I paid them, my CCCS payment went down even more, and today, after finishing the program, my credit score is A+
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