Due to the economic times I went through a job change and had to take a significant drop in pay. To make things worse we were having some medical issues so we were over running our credit cards. With the minimum payments, interest rate jumps and late fees the payments were killing us. We had no choice but to look for answers to get rid of this debt.

When I called the debt settlement company I was told everything up front. I received a packet up front so there were no surprises going into the process. The calls eventually stopped and I was able to go through arbitration with one of my creditors. I would say the best part of the process was the education they gave me of the collection process. I knew what the credit card companies would say and when they would say it. Best of all I knew how to handle it. Regarding my payments, it was comforting to know that the money was being drafted from our account and we didn’t have to worry about making those monthly payments or forgetting to make those monthly payments.

The results matched what I was promised. They settled on all my cards except one that went through arbitration and now has a garnishment. Even with the garnishment from my wages I now have money freed up to take care of other medical bills that otherwise I couldn’t take care of. It truly is amazing that we can operate without credit cards and not be dependent on them. The fact that I never have to get another credit card is comforting. Thank you for all your help in settlement. I recommend it to anyone that is in a difficult position like I was.

Thank you,

Tim B.