Bud Hibbs is a joke. They've spammed their snake oil on all kinds of credit help forums, claiming to provide resources to help debtors get off scott free without paying a cent of what they owe to creditors and collection agencies. Bud Hibbs posts these ridiculous articles on how people have beat creditors and although Bud Hibbs saturates their online literature calling Collection Agency lawyers bottom feeding scum - its like the pot calling the kettle black. Bud Hibbs is anything but "Consumer Justice" ... it's all a scam by a group of lawyers preying on debtors to get money out of them under the guise of "helping" them. The claims their website makes to desperate people won't work and never will work ... they simply want to take the last few dollars out of debtors' pockets and abandon them. Collection Agency lawyers may be bottom feeding scum, but Bud Hibbs is even lower than them! Advice: ignore Bud Hibbs and find a REAL credit counselor. All Bud Hibbs is going to do is get you in deeper trouble with creditors and collection agencies.