Don't waste your time. This is a debt relief scam. They are looking for stupid people who will agree to sign up with them and pay more than 3 grand to let them: 1. Take their money, and 2. Ruin what was left of their credit.
These people go through thousands of numbers a day, combing around looking for victims that are on hard times and desperate. They offer them a light at the end of the tunnel and then right when they think salvation is coming - they find out its a train and its about to run them flat over. This scheme is:
Get on the debt consoidtaion bandwagon with us! Pay money into this "special" account! When we get our money (3-4 grand) then we take it out! You keep paying in the account, and once we have another couple of thousand bucks saved up, we'll make your credit card companies an offer to settle for less than you owe. Don't bother - you can do it yourself and save the 3-4 grand. You only have to lose your dignity and credit score...of course if you listen to Dave Ramsey and follow his methods you only stand to lose your credit score - which is a great thing! I'm hoping mine will drop to zero one day!