Hi, I have contacted several companies that have been advertised on this web site. I owe approximately $25,000 and have visited this site often. I have been contacted by CareOne. They told me that my debt could be settled in approximately 4 yrs for approximately $650 a month. Their monthly charge is $45 a month which included in the fee. I would continue to receive my statements every month and could cancel at any time. This would be a debt consolidation, and my credit score should not be harmed. Since my husband is an authorized user, his credit score should not be hurt.