We were told that CYD could help us get out of debt, but it's not true. As a matter of fact, things are worse now. We signed up back in August 2007 and they have not settled one account for us yet. We tried getting our money back but they wanted us to wait and said they would use the money we paid them to settle some accounts. That was back in December 2008 and still nothing. We try contact them on our accounts but they are always in meetings and never return phone calls or emails. In fact we recently asked our CYD rep to send us our... read full review »