Has anyone used ZipDebt, Charles Phelan’s debt settlement program?

I am hunt in to debt allotment as substantially as we am leery of a fees as substantially as ethics of a assorted companies which hit been discover there. we find churned reviews upon every of a incomparable ones. Anyway, physicist Phelan’s do it yourself devise is appealing as substantially as alternative people hit reported here which they hit been effectuation to solve their possess debts with their creditors. we feel which we need a little superintendence though we additionally wish to feel in closing obliged for as substantially as authorised during a process, so a ZipDebt module SOUNDS kindred to a most appropriate pick though I’d kindred to feedback from any one who has used it.