I have worked with this company. They have helped me clear a 'written-off' debt that I was being hasseled about. I had actually been making payments, but apparently, not enough for them. They called constantly, and got very nasty. So, now I no longer have the debt, and they had to pay the fees.
Worked for me!
Great organization if you need one as they are 2 wins no losses on the same matter. Ask for Nick Bontrager if you need to back off unscrupulous debt collectors who violate collection rules.