This CA company is a fraud. They are sweet money talkers who insist on taking your money upfront. In my case $1000/month with no end in sight. After seversl months, they made no progress in paying down ANY of my credt card debt or negotiated with anyone. The creditors I called confirmed this and stated they never heard of them and to make my own deals which I did and saved substantial money. When I complained to Freedom Debt liars, they only returned a small amount of my money. I did this on my own with major organizations and my 3 credit scores aproach 800 and are rated excellent...