I was thinking of going with Fairhavenlawgroup because I was getting a lot of promo mail from it, but decided to go local instead. It was a little rough at first because I started paying the local company and was late on two cards because of it. Once my payments got caught up everything has gone smoothly. All of my cards are current with respect to payment. I'm still paying alot each month, but my interests rates have been lowered on all of the cards. My payment plan is supposed to allow me to be
debt free in 5 years, and I started with $60k in debt.
My monthly statement is easy to read. It breaks down how much has gone to each credit card and what the new balance is.
I guess my point is, you can probably find a local debt relief agency that bases its entire business on local word of mouth and reputation, thereby guaranteeing you with a little more attention to your file.