I want to let you guys know that I actually finished the program with Debt RX USA within 6 months. I had over 16,000 in credit card debt that was settled for $3572, so I am a believer. It is a weight off my shoulders. I have spoken to a Lauren, a Sandy, a Jordan, and I just had my mom enroll with them and she did talk to Reggie. I now am looking for the best way to rebuild my credit, any suggestions would be appreciated. The debt is gone I just need to know the best way to rebuild my credit without getting into debt again.