Debt Care USA offers and amazing service called Debt Settlement. We are able to negotiate with your creditors and settle your consumer debts at 50% if not less. You are then able to make these payments at 0% interest. We help those people under financial strain and burden from the relentless practices of the credit card industry. Each and every customer that enrolls in our program signs and agrees to our agreement which covers our program completely. Also each customer receives a welcome call and a welcome package. Our customers must understand all aspects of our program before we can make one draft from their account. We do everything we can to protect our customers and settle their debts before such things happen. Amber seems to be a customer that fell prey the to unlawful acts of the credit card companies. Creditors will call clients and use scare tactics by threatening to sue them. While this does scare customers in to payment our customers have a full understanding of creditors practices if they chose to read our welcome package and listen to us on our welcome call. I apologize if Amber did not take full advantage of our extensive education we give to each one of our clients during enrollment and fell victim to harassing creditors. Any one that is under the burden of creditors and would like to learn how to become debt free in as little as 36 months please contact Debt Care USA at (800)266-9085 www.debtcareusa.com Thanks! Debt Care USA Inc.