All these people do is write letters disputing your debt, hoping a creditor will ignore a letter and that gets the bad mark taken off your file. As soon as the creditor proves the debt, it goes right back on again.

These people make their money from exploiting people like you that have gotten into a credit crunch. There has got to be a free program from a non-profit in your area. Check with your local charities and local government and see if there is someone that can help you WITHOUT taking you money….