We have helped people to offset thousands of accounts, to the tune of millions of dollars. And just so we are clear, we work for YOU! We do not work for your creditors, your bank or your credit card company. This is not bankruptcy, debt consolidation, debt reduction, refinancing or some payment plan that can drag on for years and years. These other processes can easily last from 7-10 years, leaving you with a scarred credit rating for just as long.