My cousin is in a hole financially and was pointed to this service by his coworkers. He's been contacted by collectors daily. I don't understand their reasoning or method. Do you guys? www.drsmdebtfree.com Disclaimer: my cousin got himself in this mess and have been asking me for advice as well as to loan him some $. I said no. A divorce and a lawsuit got him blindsided thus leading to his delinquent accounts. Disregarding the ethics aspect of his situation (yeah he should pay back his credit card debt), what is your opinion on this service? Thanks!