It's time to Call Lars Ostling. His office is staffed with friendly people who don't look down on you for asking for help getting out of debt. He took a payment plan for the services, and has handled all the follow-ups from companies that are trying underhanded methods to circumvent the laws. We only worked with him at the courthouse, before that it was his assistants, but both he and his assistants made us feel at ease, and the process was quick and relatively painless. I'd recommended them to anyone.