this is a SCAM don't do it people!!!

Crunch the numbers.

Why should I PAY a company to do something I can do on my own?

Basically see what comes in and pay your rent/mtg, food, etc andwhat is left over pay all of your creditors equally every mth.

Also ask about their HARDSHIP programs..interest waived and or frozen, settlements all or any combo of the above.

It worked for me.

If they say they can't do it..askl for some1 else if they say no to an arrangement ask to spk to their SUPERVISOR..I have been able to get a further 5-10pct reduction in settlement and ability to pay over many mths vs 1 or 2.

Ask for a settlement near the BEGINNING not the END of the month.
They have to fulfill their goals before their month end like every otehr industry but if yuou wait too long and they are having a good month there is NO incentive to offer attractive settlements..they can jsut say NO.

Cheers,

Ma Chod