When the financial crisis occurred a national bank that received a bail out from our federal gov’t decided that I had too much debt and changed my interest rate from 5% to 22%. I had never missed a payment on a single account with them or any other. My credit was perfect. I qualified for 0% financing. I tried to negotiate, they refused. It was that company that forced me into debt settlement. Bankruptcy was not an option due to my job. America Debt Resolutions helped me get out of more than $90,000 of credit card debt and held my hand through the process the entire way.