My sister used elite finanacial services and they saved her 19,000 ,,, she said her debt total was about 36,000 , after 30 months in program she was debt free ,, at first she was happy about being debt free and told me to check them out since i was in same situation ,,, but her credit score went down and credit card company's still wouldnt give her lines of credit ,, and banks wouldnt approve her for a personal loan,,,so she called them up and told her to call this credit enhancement company that worked with them ,,,so she did and 120 days after being with this company her credit score was over 700 .... shes was extatic,, i remembered this blog site a while back when i was researching it and i would have to say this company is great,,, i really think it is a loop hole in our financial system though i mean i could go get 50,000 in credit cards spend the money call elite and they will negotiate settlements on all accounts for 50% or less ,,,, then call credit enhancement and after 4 months ill have perfect credit again ,,, whats gonna stop me from keep doing this in all actuality its free $$$ ,,, its repally a loop hole in system and i urge everyone in this great recession to take full advantage of this !!!!