Not necessarily.

Debt isn't just college students and poor folk. Job loss, divorce, health issues, etc can easily put you in a situation where the bills fall behind and you have a cash flow crunch, but you're not destitute.

I had a friend in a situation like this, and managing the various deals (payment arrangements, forgiveness programs, deadlines, etc) was very difficult. Paying $50/mo to manage this stuff would have saved her lots of money in fees and interest.

Thanks Spooky23, I spent a lot of time working with people on one one so I know how much people are paying- and how much money people are losing because they aren't dealing with the issue.

For a lot of people, it's worth it just to have the peace of mind that a collection agency will never call them again.

Spooky23 is also right because we've done a lot of research and most people in debt are 25-44 working, educated, and upwardly mobile (if they weren't being dragged down by debt) usually they got into debt because of job loss or medical crisis.

I am flexible about the price, I'd love to do it for free... Most people pay about $100 per month to an attorney to do the same thing so I tried to make it affordable.

I am also adding in a "free4ever" coupon. It's just not up yet