I looked into one time and they didn't have answer's to a lot of my questions, I ended up taking a free consultation with a Bankruptcy attorney and they will tell you want the best options are for you. The ended up arranging all of the creditors to come to an agreement a decent one I could survive on and not being afraid to answer my phone. Once an attorney is involved all I did was tell them here's the lawyers number you talk to him. It does still affect your credit score but it's better than bankruptcy and I was able to keep my vehicle and my home. I hope you find something that works for you.