When I received the last call when my wife were sitting down to dinner from a woman who said I was going to have criminal charges filed because of a bill I owed I said that was it. I hired an attorney and also Credit 911 to settle all the other credit card bills. Now I have one easy payment due to the debt settlement program they enrolled me in. The other debt went away when the attorney threatened a suit against the collector. If you are over your head in debt get help now, don’t wait.