Persels &Associates took an initial fee, and then $330/mo. and subcontracted the legal work to Arthur Malkin (here) in New Jersey for debt resolution/consolidation. Neither attourney performed at all over a full year, with one exception; a department store credit card w/ a small balance. We are now seeing another attourney, as well as on the verge of bankruptcy. Persels/Malkin did NOT do any legal work as we received notices to appear in court regarding debts. Apparently they didn't do any negotiations and we had to do all the "leg work." read full review »