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As much as I admire these guys.. The same reasons that people got themselves into unmanageable credit card debt are the same reasons why using a service like this wouldn't work. The main way people get out of debt is to declare bankruptcy and work out better deals. Its easy and fast, and they never cared about their credit in the first place. Best of luck.

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We do not agree and have people using the site today that claim the visibility (interest rates, payment history, credit score, etc.) and automatic planning gave them exactly the edge they needed to start making significant progress. These products (credit cards) were designed to be opaque and difficult to manage.

Being responsible and watching your balance, and paying a scheduled monthly fee is not difficult to manage. Banks allow for scheduled payments as well, its a one time setup. I think the being responsible and holding people accountable to being responsible, is something that maybe you are working on , and hope that it works. Best of luck.

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