Is a debt relief firm in Texas worth the time they need. The primary avenue a great number of debtors think about is the method of CCCS. This method if deligated the way it should be will achieve the goal of getting someone out of such a rough financial time. However in this horrible marketplace currently the vast majority of people are not in position to afford to maintain a credit counseling program. In most situations it can cost around the same as the monthly minimum payments cost and many consumers realistically cannot afford their minimums each four weeks. And besides if you miss one installment on a credit counseling program you will be taken off the program and lose the benefits.