Wow! Where to start? First I was relieved to find a company who helps customers with credit card debt. Plan B Debt & Credit Consultants protected me from the collectors that were harassing me and blowing up my phone. Just like they said there was no creditor payment arrangements. In fact most my debt was eliminated without a payment arrangement to any of my creditors. I would recommend Plan B Consultants to a friend or family member. They were good to me. First it was a process to learn how the Asset Protection program worked and why I even needed it in the first place; Second it was not a long drawn out payment plan like the debt settlement companies were offering; Third I did not have to worry about the credit card companies because the debts were eliminated in a little over 120 days. That's the last I've heard from any of my creditors since the beginning of this whole ordeal.