<prompt> Human: I was about 10k in debt and paying it off fairly well, then I got laid off and had debts that accumulated plus money spent on my credit card while trying to find a job and well now a year later I am 25k in debt and finally have a job, however a fairly low paying one at that, about 35k a year.I contacted freedom financial and they gave me a run down that they would negotiate my debt down to basically 50 cents on the dollar I would pay them over four years back the balance and their fee of 25. So basically 17k over four years instead of the whole 25k plus interest.This sounds too good to be true. Anyone have any experience with this or any advice on where I should go because paying just more than the minimum with rent bills and food is not going to make this go away any time soon.Thanks for any help.  <response>: Run. These almost never work out. They tell you to stop paying your credit cards to make it look like youre in dire circumstances. They then will attempt to settle the debt based on the amount in the account you pay into. This means at 3 years in some of your debts have had nothing paid on them. The problem is if a creditor doesnt want to settle, this plan is pointless, and if someone sues you, Freedom Financial will do nothing to help you. 