We hired Credit Solutions to help us negotiate down our credit card debt. They charge %11 of the total owed. On the surface that seemed like a good thing - spend that to save thousands. As time has gone by, they have not done much to help us. We paid $900 the first two months and then we have paid nearly $500 a month for a year. If I had saved that $ I could have paid off one card. I found out that I can get a better price if I negotiate myself. They only did one deal and it is one that I negotiated before they got involved. The laws have... read full review »