Credit & Debt Management of America says they will negotiate with the credit card companies to enable you to pay off at pennies of the dollar. After they take their fees, this company becomes a ghostly shell. Your original contact will disappear. It is impossible to discuss your case except with the account manager. You cannot be transferred to the accounts manager. He/She will contact you. But they never do. No attempts were made to make contact with any debtors. No phone calls returned. No response to faxed instructions. In short, take the cash and run is their motto. Never use this company.