Reader CosmosHuman is overwhelmed by her bills. She’s current on all of them but needs help managing her money flow in a more sane fashion. She’s afraid that a CCCS (Consumer Credit Counseling Service) will “mess” with her credit report. “I really don’t want my credit reports stating I am a failure,” she writes. It’s a shame, because a non-profit, free, legit, CCCS is a really good option.