I am really grateful that I contacted consumer credit card relief . I spoke with Mr.Soares and he was very helpful and patiently explained the program. After listening to my options, I decided to give them a try. The results were great. I only paid a fraction of what I owed in as little as 5 monthly payments. I have since decided to give them another try. I am very excited about my new adventure with Mr. Soares and the entire team.