I've been in the program since February of '09. They cut my debt by 45% and I'm saving a ton of money compared to what I'd be paying back those credit card companies. They even have a device that I connected to my phone and whenever a creditor calls it diverts them, so they're not harrassing me anymore. I didn't have to file bankruptcy and I'm not paying those criminal interest rates that the credit card companies charge. read full review »