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I Want to Repay My Debts But I Can’t Stop Using the Credit Cards. – Bonnie


“Dear Steve,

I want to deal with the best company for my debt consolidation. I don’t want to deal with money grabbers, or companies that won’t send the payments in on time and every month. I also think maybe I can do this myself in 6 years, but I can’t stop using the cards.

Is CCCS the best company to deal with?

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Dear Bonnie,

Your statement about not using the cards concerns me. I’m wondering if either your income is insufficient to meet your expenses without falling back on credit or that you feel you have an underlying money or spending disorder that leads you to spend.

If either of those issues are true then a debt management or credit counseling program may not be the best solution for you. In my experience, when people in those situations enroll in a credit counseling program they just find new ways to get credit to make ends meet or feed their addiction or bridge their gap.

As far as being worried about who is going to represent you the best, in the credit counseling world it is all about the same. Even CCCS must create a repayment plan that appeases the creditors that pay for the CCCS service, rather than a repayment plan that is based on what you can reasonably afford and sustain over the course of repayment.

I’d love for you to respond in the comments section and give me more information about your situation.


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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • Bonnie,
    Steve makes a great point. To become debt free means to let go of your credit cards- using credit leverages more debt, if you can’t afford to keep up with payments now, you definitely can’t afford to keep doing what you’ve been doing- otherwise the situation will never change.
    You may want to see the advice of a certified debt specialist to learn about how debt settlement can empower you to take control and get out of your difficult situation.
    The energy and clarity our clients receive by knowing they have found the right solution for them is amazing!

  • You hit the nail on the head, I do have a compulsive spending problem. I meant I could get out of debt in TWO years, not six. Thank you so much, we have an EAP service where I work, I need counseling.

    • Bonnie,

      Pursue that first to address the underlying issue and the rest will fall into place one way or another. Contacting the EAP is a great step.


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