The contract I signed states "can reschedule payment date; $35 fee
will apply." I thought I had rescheduled the date because the
"credit counselor" said "everything is taken care of." Now I realize
they talked me out of submitting my request to reschedule in writing.
When I disputed the charge to my debit card, Patrick Butler wrote to
my bank saying "we did not receive her request in writing." Also,
"results guaranteed" as advertised on Gmail is a scam. Patrick
Butler wrote to my bank, "we sent letters to the credit bureaus; that
fulfills the contract." They will let me talk and talk about the
item I think should be removed from my credit report, and say they
understand, but they have not gotten it removed after four months--
and they say the contract is fulfilled. Beware!