This is an account of our experiences with United Financial Systems, a company that we turned to to help us manage our credit card debt. There are many companies out there today who offer this, and by their website, UFS looked like a good choice. While using them we found out that: 1) they don't send you a statement showing how much they paid your creditors or when-- EVER-- unless you ask for it 2) they take your money out of your bank account every month on the same day, yet their payments to creditors vary widely, and sometime... read full review »