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CCCS doesn't report to your credit report. That didn't come out right. Anway, I know several people that paid off their bills through the program and it doesn't show anywhere on their credit report that they even did CCCS. The only thing that shows up is if you are behind in payments, you will continue to be reported as late payment until it is caught up.
They did ask our income, rent, etc when figuring what we should pay. I *think* you have to pay the minimum on all cards, so you are still paying all your bills (not sure what your dh means) it just means you won't be paying the minimum for the next 20 years. The minimum payment will actually pay down your debts because they lower your interest rates when you are in the program. We are still paying on every debt we incurred and paying our full balance, they just aren't charging us the interest they would have if we hadn't been in the program.
I would call your locals CCCS and ask your questions, they are very helpful and can certainly answer them better than me.
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