Best answer from question by Karen:
Answer by SPIFIMAN1
There is only 1 that I would recommend and that’s Consumer Credit Counseling Services they are the largest and oldest non-profit credit counseling service in the nation and have offices in most major cities.
They will lower both your interest rate and monthly payments, I used them several years ago and was debt free in 36-months.
There number is 1-800-388-2227.
Best answer from question by yahoo ID 89523:
Answer by Baby boy due March 7, 2010
Anytime you dispute it they will look into it if they feel that there not yours then they will take them off if not then they will keep them on.