I spent quite some time researching debt settlement companies, after much research Care One Credit Counseling is actually working behind the name of Presels & Associates for debt settlement services. When their people answer the phone as Persels & Associates, they are really Care One Credit. This is a FOR profit company and fees are collected monthly / stated as legal fees, but in reality are just fees. 15% of the total debt, loaded mainly up front over the first 5 months, and pais for 15 monhts, where very little if any are going... read full review »