I AM A BILL COLLECTOR AND WHAT PEOPLE DONT KNOW IS THEY CAN SETTLE ACCTS THEMSELVES WITHOUT WASTING MONEY PAYING SOMEONE TO DO IT THEMSELVES....
SIMPLY CALL UR CREDITORS AND OFFER THEM SOME MONEY
CONSOLIDATION COMPANY RARELY EVER SETTLE ACCTS AND WHILE THE ACTS SIT IN COLLECTIONS IT MARKS BAD ON CBR EVERY MONTH.
CONSOLIDATION PLACES ARE A WASTE OF YOUR TIME AND MONEY !!!!