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  1. 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 Enrollmen