Six months ago I thought there was no hope financially.  I was overwhelmed with the past due bills and creditor calls.  I would have to run late on one bill to pay another to bring it current.  It was a vicious cycle.  After working with my credit counselor at C.C.C.S., I found I could pay my bills on time, save a little money, and even have extra funds for special things.  Along with working out a debt management program, Wendy showed me how I could live within a budget.  Not only has she provided financial advise and assistance, her personal encouragement is invaluable.  I’m learning not to stress out when things get tight financially.  She helped me see there is always a solution!  Thanks so much!—Tricia K.