cccs.net and BAD credit…Help!?

My husband and I have HORRIBLE credit. We can’t get any credit cards because our credit reports are filled with charge off’s…collections..unpaid loans…and etc. We’ve finally "grown up" and we are regretting being so immature about our credit. We’ve contacted several credit counseling type of services but is CCCS.NET a good one to go through? [...] http://bit.ly/oqlAI9