The main problem with debt settlement is falling behind on payments. The chief avenue a lot of Americans think about is the method of CCCS. This route if worked correctly will achieve the goal of getting someone through these rough debt problems. But in this economy currently most consumers are not in position to afford to swing a credit counseling program. In most cases it can cost around the same as the monthly minimum payments cost and a lot of people simply can’t afford their minimums each 30 days. Beware if you do not make one payment on a credit counseling program you will be taken off the program and lose the pluses of paying on a low interest rate.