Don't be discouraged, I know i went through a rough time making a decision myself especially hearing some horror stories! The Family Debt Center is a consumer company that refers its client to other companies with proven track records of getting people out of debt. From what I experienced you need to pay off this debt as FAST as possible with Allegro Law Firm and provide all necessary statements or letters. Sometimes that holds things up! But they also represent another company called CRN, and they are probably one of the best hands on companies i've ever experienced in my opinion and they offer a Coach for you! Having gone through many different debt options (bankruptcy in the 90's, and trying Allegro Law Firm for a year got a few accounts removed but that was before i got fed up with reaching there customer service, so finally I signed up with CRN and really havent been more impressed.) debt settlement is a great option especially if you hate the fact that Credit Card companies are ripping off the american people and they made more last year that Microsoft or Walmart! (I didnt believe it until I read it myself, article was in the NY TIMES). These companies arent even regulated (can charge any interest rate, any late charge, and make any change they feel fit with 15 days notice) our government doesnt care about the best interest of the people anymore! We need to take action! You need to take action for yourself! Its your finances, and if someone else tells you not to do this, ask them if they are paying the debt for you?! Think smart! The economy is not getting any better tomorrow! I applaud you for making the first step, doing your homework!