Clark said that what they do is ask you for money up front for their advise and services. He said that if anyone ever asks you to do this, that is a sign. Then they tell you to not pay any of your bills for 3 months (because this is the point when collections companies are ready to start a settlement agreement). Then at this point they settle the debt for you for a % on the dollar (which by the way, after 3 months, you can negotiate all by yourself without their help or input). They make it sound like they are hooking you up, but the 3 months that you wait makes all of the debt go on your credit.