Need advice about something we update #3

DH and I have decided to enroll in Christian Credit Couselors. They are a service like CCCS. We have HUGE debt over 80K and our Crown money coach thought this would be the best path to take. So we’re in the process of enrolling. They’ve assured us that our credit rating won’t go too bad and within a year it should be on the rise and then in about 3 years be just about perfect. I just feel a bit nervous. Did we do the right thing?We’ll be saving about $600.00 per month that we would normally send out because they are lowering our interest rates so much. Has anyone else done this sort of thing? Do you think we did the right thing? twk

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