As a little background, I am 29 and due to divorce was saddled with over 100k in debt. The past year I have been able to settle 3 accounts, bringing that down to 86k. I recently have been hounded by a local attorney collecting on a Citibank account, which is one of the largest I have. (I have other posts dealing with this). I was recently served a summons and have subsequently answered it.
Prior to this, I attempted to use Superior Debt Services. This was a waste of time for me. They ignored most of my questions...even couldn't be bothered to update my phone number.