ADSI Able Debt Settlement in Irving Texas is a scam and a rip off. I enrolled 3 years ago and all they did was charge outrageous fees, making it impossible for me to save and putting money in the program. I now have judgements against me. I cancelled with Able Debt so I can file bankruptcy and they refuse to return and refund my money to me. I paid well over $1200 in fees to them. You never get a live person and their rejection letter from their refund dept. does not even have a real signature on it. I am filing complaints with the FTC and Attorney General. These creeps kept my hard earned money and ripped me off. They are a scam report them.