Company advertising on-line to negotiate credit card debt. After 3 months of automatic withdrawal from my checking account $387, plus initial "set up" fee of $99.00, company had never notified any creditors with proposals. I had been told not to negotiate or even speak to creditors, which I did anyway and found this company had never called any of them.Attempts at calling "customer service" always resulted in a "hold" period of anywhere from 15-30 minutes, in which case one"s frustration level kicked in and I would hang up. No messages left on their voice mail were ever returned.