Has anyone heard if there are a real company or fraud? Trying to go through debt negotiations program, have been in for 3 months now! But still getting calls for creditors. My credit is crap and will be, but am trying to get it straightened out! Have seen sites that say it works and others that say it's a scam. Don't know what's true. And if it is a scam, can anyone recommend a good site for help. Want to get myself out of debit not deeper in it! Thank you for your help! If you ask question, will try to add response to it, as in more info..