We had called Care One Credit hoping for help on consolidating our bills. They referred us to Persels & Associates LLC. We are two months into the program when I receive a statement today showing what they have received and what they have taken out of our escrow. 75% of what they are taking from us each month is going towards legal fees for 18 months! No one had informed us that we would be paying this. THey gave us a total for each month that they would pay our creditors. Finding out that none of the money we have paid has even went to one of our creditors. We have still been getting collection calls and I see why now as they have not been fulfilling their obligation to their clients. I cancelled immediatly and am praying they still don't try to debit my account. This is not a reliable and safe company (which I'm not even sure if they are lawyers). Learn from our mistakes and do not fall into this trap as it will cost you more in the long run.