There is no "Magic Pill". It doesn't exist.
If it's too good to be true, it probably is not true. I'm seeing more and more people come into my office who have been scammed by "Debt Management" companies who promise the moon but deliver cow pies (B.S.).
Folks, be careful out there. Take an honest look at your situation and hire a professional who has a proven track record of helping people. And by the way, the Better Business Bureau is not the only test of whether a business is legitimate. I'm an Accredited Member of the BBB but just because I am doesn't make me an expert in brain surgery. In other words, you can become a member of the Better Business Bureau and still not know 'jack' about solving credit and debt problems.
It's become popular on the Internet to hype one simple idea, claim it offers a magic one-shot cure for everything, and then charge the moon for it. For example, the so called "Debt Management" companies like "Credit Solutions" and others make a lot of money with ultra slick marketing and "easy" solutions. They claim they can help you even if you live in another state (Credit Solutions is based in Texas) and even though it's illegal in many states to offer what they offer.
So folks, think things through before you leap. If it sounds too good to be true, it's probably not good for you. The pill can be bitter to swallow.
In medicine, doctors who sell one-shot cure-alls like this are called quacks. They're not respected and no educated person knowingly does business with them. Is it possible to make a lot of money being a quack?
Sure it is.
And on the Internet you can be a "quack" and not face the kind of legal ramifications that people practicing bad medicine do. That's what makes Debt Management Companies dangerous. They are not held accountable.
So know that there is no "Magic Pill", but there are dedicated professionals who offer solutions. Choose carefully if you are in debt. Don't make things worse for yourself.
God Bless you all!