Court Mediation Services (CMS) operated by Brad Daley advertises as a debt solution that can legally erase all of your debt within 6 months & restore your credit rating in an additional 6 months. The fees vary depending on the number of accounts you have & the amounts of the monthly minimum payments. It is not a debt consolidation company or a bankruptcy service. I was first contacted by a CMS rep named Stephen P. Hunt from Foresthill, CA via phone in November 2008. I had been struggling since August 2006 due to a lay-off from a... read full review »