I contacted Solve Debts because Bank of America was a major pain in the you know what! I was late for only THREE days and they raised my interest rates to over 20%! Considering how much debt I had this probably would have been illegal if it were my second mortgage. Anyways, I called Solve Debts and they did help me. Solve Debts put me on a plan and I stuck to it and they reduced my debt.
Pros: Bank of America is gone
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