What about debt consolidation?

Bankruptcy Services

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What about debt consolidation?

None of these companies want you to know that using their services will have the same impact on your credit as filing for bankruptcy. For several years now my clients and many others, have been experiencing serious problems with using these services. They are no longer free; they are not "non-profit" despite their claims; they pay themselves before paying your creditors. They are very late on making payments to the creditors, causing more late fees to accrue, some just take the account and sell it to another "counseling service", keeping the money they have received. What these "counseling" services do not tell their clients is that, according to creditors and credit reporting agencies, the use of their services has the same credit impact as filing bankruptcy.