Careone Credit Counceling/ Consolidation

After alot of research and soul searching, we joined Care One in January. CESI is the affiliate that handles our account.
They have been very up front and answered my questions whenever I called them. Our only problem is a Macy's account. They have harassed me at work and even called somewhere in India or Pakistan etc, at 8;00 am on a Sunday morning. We were told that we were 3 months past due and that they never received a payment until March 1, even though they did accept our proposal. They were paid by the due date and have been giving me a run around. Finally spoke to someone in collections who spoke English without an Asian accent. Asked how much I could afford to pay. Told them $21 a month. He told me that if I paid that for 36 months the account would be paid off. Told them that my credit report saids that I am past due altleast 60 days. He claims that he can't do anything to help remedy the situation.
I know that my FICO score would suffer, but this does not help and he claims that he can not do anything to help resolve this. Checked my statements from CareOne from Feb on and they reflect payment on time for the due date. Tired of getting the run around from Macy's. After they receive August payment, I will call collections again. Macy's claimed that CareOne did not pay on time and this changed the proposal. Before I was in CareOne, they put me into collections when I was five days late with a payment.

I have to say I am about to enter into a Debt Management Program, but I'm having sort of a difficult time deciding which one. It really makes me nervous, but I know this is the best option for. I really don't want to have to deal with the creditors myself. I know I'll be paying a small monthly payment, which according to CESI will be around $30, but they are saying they can cut my payments from around 650 to 400, plus I'm paying less than half the interest rate. The guy at CESI has really impressed me so far ... very nice, and when I stacked his terms up against a competitor, he told me flat out what CESI could do, but then he said, "hey if you can get better terms somewhere else, go for it, because the top priority is you getting out of debt the best way possible." I figured he was gonna get all weird on me and try to bully me out of going with someone else, but he was quite respectful about it all. I think part of the problem people are having is that they are indebted to companies that aren't as willing as others to negotiate. My issues are with BOA and Discover, which CESI says they deal with more than any other companies, so hopefully I shouldn't have any trouble. Anyone here ever deal with Money Management, Inc?

Has anyone ever dealt with American Financial Services for debt consolidation. They claim we will be debt free in 3 years at 700 dollars a month. Thanks for any input

There is a big difference between Debt Settlement & Debt Management the guide below explains the pros and cons of each and may help anyone considering these options decide which is best for them.
LINK REMOVED

Why on earth are you bringing up a 2 year old thread????

We are well aware that there is a difference between the two types of programs.