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stay away. they lower your bills by halting payments to your creditors and putting you into default, then working out a settlment.
you can halt payments by yourself, you dont need to pay someoone else to do it.
MVD34
crap & scams.
Try legit credit counseling.
To find a legitimate counselor, contact the National Foundation for Credit Counseling at NFCC.org or call 1-800-388-2227.
Judy
Run and run away fast from these companies.
They are many people (including old mortgage makers) that are out of work and know that people will believe anything they tell them, and they know how to scam.
These companies are there to make money from you - not to help you.
They are out for themselves.
Get a book on Credit and Debt Repair from your library or bookstore.
All the tricks on how to deal with your debt and repair your credit are there.
If you are in serious debt consider the federal non-profit agency that will help you at no cost.
NFCC.org
Reviews call them angels - but they do no more for you than those books do.
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