Top Savings contacted me. I wasn't sure how they got my cell phone number and was leary of the call. I still listened, wrote info down and tried to research the company before committing. I had a gut feeling it wasn't worth doing, but wanted to get my debt down so thought it would be a way to do it without damaging my credit report. I was told that I would be charged immediately $549 and if they were unable to find me a source to consolidate my bills after 3 attempts, that if I sent everything back including the 3 rejections letter... read full review »