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I'm posting this on behalf of my girlfriend who is waaay too trustworthy to random people on the phone that "sound nice". She has about 20k worth of credit card debt. She is considering filing for chapter 7. In the meantime, she got a letter in the mail the other day that said how much debt she has and how they can knock off 70% of that debt and have her only paying around 6K by the end of it all. She received a free consultation and this guy basically said that if she pays them $329 a month for 22 months, she will be debt free at the end of the 22 months. The company's name is US Enrollment Group. This is what they offered/guaranteed her: No 3rd party fees1 Payment per monthAvoid constly debt manaagment programsImmediate reduction of payments up to 70%Credit is restored by avoiding bankruptcyStop cals from creditors and collectorsThe company is NOT accredited by the Better Business Bureau. They are accredited by the Nationwide Business Bureau, but I don't know how reliable they are. I call the guy she talked to and asked him straight up, "By paying this $329 a month will she be debt free after 22 months?" He replied with a simple, "Yes." I looked up the company at usenrollmentgroup.com and read their pitch and I would greatly appreciate someone who has better knowledge of this helping me out. It seems too good to be true to me and I don't want my girlfriend getting scammed. Any information would be awesome. Thank you.