This is what one looks like and at first it seems to look good - a 45% reduction of the debt is offered but note:
1. There is no agreement or representation regarding reporting the debt to Experion, etc. to help credit score.
2. If the amount of debt reduction exceeds $600, you will get a 1099 and it will be reportable income (technically, even if under $600, that would still be income as forgiveness of debt).
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