Debt Choice is a company I called to help me with my debt situation, thinking that they will give me good non profit advice and assistance. The company was very encouraging and 'fast talking' when I spoke to them. They said a bunch of stuff quickly and wanted me to give them my name, address, phone # and email address. They also want all the credit information also, who do you owe and how much. They do ask also ask for your social security number.

They send you an email for you to fill out the fields of the creditors or companies you owe, account numbers and amount balances. Once you give them all that info they tell you what you already know; how much you owe total. Now the 'sell pitch' comes as they tell you don't worry, they are going to have you debt free in let say two years.

Then they ask you questions like how much would you like to contribute each much to eventually how much money are you making, what are your expenses and how much you think you can afford to pay.

All of this sounds good so far until the finally tell you that your first payment is going to be thier fee.

They tried to charge me about eight hundred dollars.

Although they warn you that your credit rating is going to reduce or get worse most likely and that the creditors will still keep calling you (as if they are not getting paid).

You should not worry just know that you will be debt free in just a thirteen to eighteen months.

They say if your creditors keep calling (I wonder why) just tell them to call Debt Choice. Your creditors (if they care) will probably tell you that you are being RIPPED OFF. Your creditors will probably tell you that Debt Choice is doing nothing you can easily and freely (no money) do by yourself.

Your creditors actually are not bad people, they need to get you to pay them back 'yes', but it is in thier best interest that it is a Win-Win situation or else it can easily become a Lose-Lose situation.