I am new but have found a wealth of information on this forum. I am in the process of deciding whether or not to use DMB (debt solutions) to resolve the over $200,000.00 in credit card debt. I am told that I can have all debt resolved in 44 months and decrease my current total monthly credit card payments by $2,000.00. I am not behind on these accounts and yes my credit score has dropped (debt to income ratio). I am tired of feeling like I will never get out of this unsecured debt. The majority of the debt is with Bank of America and it was originally MBNA debt. Has anyone ever used DMB?