Be very careful about Hermosa debt consolidation. The things they say they can do for you and the law firm you are handed off to for your
debt consolidation are not one and the same thing. The 'Hermosa Group' I dealt with is supposedly located in Colorado, and they put me in touch with the Palmer Law firm in Rancho Cucamonga, Ca. They do not disclose you will need to pay Palmer xx amount of dollars before they will even being negotiations with your creditors, and this in turn will reslut in negative credit reporting, and you being summoned into court. The Law firm will also not assist you in providing any legal advice unless you pay a fee direct to one the the lawyers they have retained in your state. These people have $2000 of my money, I just received a summons, and their attorney in my area wants an additional $1000 to represent me in court, with no settlement or relief in site. You need to check carefully before retaining this company, as they are now advertised on TV. Supposedly Palmer is no longer affliated with this company, because of the tactics they use to make you think you can
get out of debt over a period of time. However, the Palmer Law firm is really not a good alternative either.