This Key Solutions is a fraudulent outfit out of Nevada making cold calls to help you consolidate your credit call debts by directly negoiating with your credit card companies for a $1100.00 fee. They are slick. Sound professional, but they will bill your credit card for the fee and you will never hear from them. I am still in litigation with my credit card company and their bank. They are telling lies that I received a packet that never arrived. They have no website and the 800 number will go dead after a 20 minute hold time. These are crooks and should be brought to justice. Never have anything to do with the likes of them!!!