I was deep in mud for some time. Collection Agencies were forcing me to live depressed low life. A friend of mine suggested to talk with Debt Settlement Programs and that really got me out. Check out RemoveDebtOnline.com I really liked to get the things taken care of without seeing anyone. It all taken care of from privacy of my apartment. I was not forced to Bankruptsy, monthly payment got reduced by 55% and on that I paid no interest. And best part was, I didnt pay a dime for the whole process. I wish everyone debt free life. To me, that is real freedom. Regards, Joe