Stay way form American Debt Foundation, Jessy, Sarah Draves, David Camp and American Debt Corp. They lie, steal and drop you. I have lost over $15,000 to them. I would sugest go to someone local or try to work it out yourself...like taking two jobs for a few years. I would if I could but I'm on disability. Find someone local to help you. Stay away from any one on the internet. The Chistian place just transfer their accounts To ADF. American Det Corp is just a branch of ADF. STAy away.