In 2007 my husband had 2 major surgeries in which we lost alot of income causing us and rack up nearly $10, 000 in credit card debt. One day in 2008 my husband was listening a radio station and heard a commercial for FreshStart. We decided to give them a call and discuss our situation. Of course they could make it so we could be debit free within 2 years (for a fee). They explained how to go about this, so we set up an automatic monthly withdraw. They told us once 50% of a credit card balance was reached they would negotiate and pay off that... read full review »