August 3rd, 2016 Pittsburgh, PA
I entered the program when there was no help in sight with my out of control debt/interest owed to several creditors. Getting set up was very easy and I had someone to help me the whole way. The decision to start was the hardest part, but as soon as I made my first call (and talking out current issues with a professional from Consolidated Credit) I agreed to start a 6 year plan. This plan was based solely on my situation, and not some cookie cutter plan for all.
At first the payments were rough because the large amount, but I quickly realized the benefits of a single payment, instead of struggling through a stack of bills all month. Over time the payments became easier. Instead of continuing with ease, I decided to make a larger payment. That took me down to a 5 year program. Feeling confident on my financial decisions really made my life easier. Even though I was paying a very high payment, I knew it was the correct path instead of an uncertain one. I upped my payments twice over the course of the years, and I am writing this now with only a few months left in the program, and will finish in a total of 46 months!
I went from being happy with a 6 year debt free program, to being completely debt free more than 2 years ahead of schedule. Consolidated Credit is the only reason I am in the position I am (now I get to decide to travel a bit, or maybe even buy a house). In the 4 years with Consolidated Credit, I never once encountered a person on the phone you could have said "was having a bad day", or in other words, being "grumpy". Every person I ever talked to was able to help me right away, I was never transferred on a call, or put on hold. The most I had to wait was a few minutes, but as soon as I got a person to talk to, that person was able to handle any question or comment I had.
I owe next year (2017) to Consolidated Credit, which I am going to spend completely debt free, and have one of the best years of my life. I have already referred multiple people from my family members to friends, and will continue to do so in the future.