David Roos left his job and relocated to another state. For three months he had no money coming in, which caused him to get behind on bills. With a credit card nearly maxed out and a sizable personal loan, he was at a breaking point.
Roos received a flyer in the mail from a debt relief company that said it would help him dig out of debt with the help of a lawyer. Roos called the company and was told that in three to four years he would be out of this mess.
He had to agree to a number of conditions, including stop making payments to his creditors, ignore their calls and get on a payment plan with the debt relief company. According to Roos, they started taking $638 a month out of his checking account.
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