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There are reporting agencies that record customer complaints, such as the BBB. You would be wise to look online for information and customer review, both good and bad. After initial research has narrowed down the agencies you will speak with, contact each of the options you are considering and ask for a free, no-obligation consultation. Many times, this will be a phone consultation where you briefly discuss you financial situation and debt. After the consultation, you will probably be provided with some options in terms of programs designed to reduce or eliminate your debts.