This company is horrible and is…
This company is horrible and is overcharging you. By the end of the program you could have settled your debt for less money and not have to pay them an extra 2 or 3 grand to do it. Don't use them at all. Goggle how to settle debt and do it on your own. People who already have used this company need to get together for a class action law suit... No, your comment doesn't because i did it myself for one of the cards and paid way less money. You don't have to know a lot to call them and say you want to settle your debt. It took me 2 mins and I did a better job. However, if you are a plumber, you need a certification and eventually you will need to call one if you can't fix it. A judge has to agree to let you represent yourself unless it is civil. This is why they appoint you one if you can't afford it. You also need someone to help you with a house because there all types of compliance you have to follow. There is no one person who builds a house. So not the same but good try. You all settle for $3000 and take $2000 more, that's a rip off. You can call yourself and just pay $3000 and bypass paying $5000. Then you pay more during tax season because any settled debt over $500 you have to pay the government a %. So basically you could have paid them in full after dealing with your company. Since you take a percentage based off of the amount settled who is to say you are getting the lowest rate because i was quoted higher than what i settled on my own. Update: You can do your own plumbing and etc...however settling debt is as easy as counting 1.2.3. No matter how much you owe, you can just call the companies and ask. Companies will easily work with you. I did it. You are not doing anything special for people. Stop it!