Everyone knows that they owe on their debts and agree that they have to pay them back, but do not come on here calling yourself - knows more than you - basically telling people they deserve to be taken to court when they put all of their trust into a debt settlement company who just took their money and did absolutely nothing and did not contact one creditor example Michael Hauser - Bella Financial Inc - Mountain View Financial Group we can go on and on with all of their companies, but all they did was put people into Collections - Arbitration and Judgements, when they could have used the money to pay their creditors themselves