<prompt> Human: I have nothing but good things to say about my experience, but prior to enrolling, I was VERY skeptical. I thought it was a scam, but I honestly have no idea what their angle is as they only collect 15 bucks a month from me in fees. Furthermore, I have been able to successfully acquire a new credit card to rebuild credit, not to use and an auto loan at a reasonable rate, two things Im sure my credit score would not have allowed if I did not enter a payment program.  <response>: Depends. If its a non-profit counseling agency that serves the public, its probably not that bad. If its a paid for service, its very likely a system where youre paying someone to do something you could easily do for yourself. 