I have posted before on this but now after reading and research I think I can clarify:
I have/Had a Debt from my previous marriage of 21,000 dollars(thanks to my Ex) from V-star Bank,Line of credit and a credit card,I could not afford the payments so I went to a Consolidation company (Credit Solutions,Bad mistake) they basically did nothing but lead me on for almost a year and take my money and told me to save up in case they worked out a settlement, in the meantime told me not to speak to anyone they would handle everything...needless to say I got a Letter from a Collection law firm (Hiday&R