Cccs Debt Consolidation

I' m paying $201 a months at the moment, with nothing to show for it. I then have about $8k on a Discover map (which is about $600 over the limit) and another $4k on an old student Master map I used to have.

Not only am I not getting anywhere, but from time to time Im Late and have to dig in latest charges, and also discover about limits charges. Identification just likes to mail $500/month to each ticket and get off payed... but just don't have the money stream to do it.

As I said, im happy to make minimal interim deposits..... I' ve been saying for the last year now, I've wrecked my loan. Never was Iv more than 1 months too late, but this 1 months too later thing has happend a couple of occasions on various things.... makes me angry when I think about it, because it was almost perfection, except for the high debts... but the payout story was always good.

However, all my credentials are highly interesting, like 18% or higher. oh blah blah... they way i see it, we're not going to get anywhere by making minimum payouts for like 50 years.....

I want to be debt-free until I'm 30 (5 years)................................................................ What I am hearing are all these tales about places like CCCS... they are consolidating all your credits, lowering your interest rates and all you have to do is just give them like $20/month. Can someone please give me some opinion... what's the good/bad thing to do something like CCCS... and if that's not the itinerary... what's the itinerary to go?