SCAM ~ Alert ~ This Company does everything they can to make you feel like they are truly going to care for you and your credit cards and relieve your debt ASAP ~ ALL a SCAM ~ Nothing but lies ~ They take your $ and their fees every month and will not begin to settle any of your debt until you have a substanial amount built up which can take years because of their fees ~ I was told that Discover will not settle less than 80% and it went to a law firm which I live in Ca and was told that I could not be sued if the Credit Card Company was not in... read full review »