debt care usa is a scam and making money off of everyone because people dont want to take the time and the effort to settle with their own credit card companies which many people are pretty capable of doing themselves. you can save your own money and once you have enough saved just contact your collector, majority of the time companies will settle for half rather than nothing, just state your hardship, unemployed,disablity, etc. thats exactly what these guys are doing for you but their getting paid working at home for it.