I was not sure what I was getting myself into at first, I had clicked on a link in an email about saving $10,000 and since I cant afford to get my car fixed, I was riding the bus back from giving blood for $90. Tia and I wound up talking for an hour, I have serious debt issues, some of which I did not realize I had. She was genuine and after a while I was able to trust her that there wasn't a scam involved. This program is about debt consolidation, they bundle up all your debts and offer you one monthly payment. In my case they eliminated 30% of my debt on the spot before any agreement. My alternative was to file for bankruptcy or since one credit card company had won a case against me, bailiffs could show up at any time. Tia lives in the same city and her demeanor and empathy turned the conversation into a joyous experience for me. If you call them it would be a bonus if you are assigned to her. Shes cool.