Okay listen guys I spent numerous amounts of time talking to Apprisen in Louisville Ky. They led me on to believe I would be able to make RESONABLE AFFORDABLE payments to my creditors no problem. After several long phone calls and emails, I found out this was not the case. Now my debt is not huge and I do not have many accounts. I was out of work a couple months and fell behind a little. Lets just say its under $15,000 total! Long story short they told me it would cost me $900 A MONTH!!! YES I SAID $900 A MONTH!!So anyone reading this with a half amount of common sense knows that if I could pay $900 month then guess what I WOULDNT BE BEHIND!! I WOULDNT NEED ASSISTANCE NOW WOULD I !! I tried to negotiate to a lower amount per month spread out over a longer amount of time and was told NO THEY WOULDNT DO THAT! That tells me they are out to make as much money as they can off of you ( like a used car salesman) and arent to concerned over your debt or affordable payments to help you. DO NOT WASTE YOUR TIME! They wouldnt even go over other options or ideas to help!!! Theres plenty of other places to look into. I hope this helps. Trust me it will save you a big waste of time!!! 😉