I used them and very happy that I did! They aren't one of those rip off debt settlement companies that have flooded that marketplace as of late. They're more like debt educators. I got ripped off by some company called Credit Solutions a while back! I found out about this company from a co-worker and and called. They are a no nonsense consulting firm. The beautiful thing is that they educated and empowered me to contact my creditors and work out payment plans on my own. I guess you can say that they took the fear out of responding to the phone calls. The most beautiful thing about all of this, they did not charge me a dime! I recommend that if you're having a problem, don't hesitate to contact them.
I refer them to everyone I know who have been mislead or having debt problems. If the other company's conducted business like Linbrook & Associates the financial industry would be a better place. They don't encourage that you to avoid the collection efforts, they stress the importance of being proactive to prevent from having a lawsuit filed against you.
Karen Bass