We have been in the business of securing settlements on credit card debt for our clients since 2008. As an active member of the American Fair Credit Council we are bound to uphold a code of conduct. What this means to you is that you can rest-assured that you are dealing with an organization that maintains transparency, follows FTC Rules for debt relief services, provides agreements in writing, never charges an up-front fee, discloses risks and rewards fairly, protects the privacy of personal information for its services, discloses its fees up-front and discloses how much time it will reasonably take you to reach settlements based on prior results.