has anyone used a credit card counciling service for debt consolidation?

I am meditative of traffic with Clear One Debt Relief as well as it sounds to great to be true. What creates me leary is which they desire me to go negligent upon my game preceding to they module step in as well as they module take my payments out of my checking interpret any month. They converse they can take my ,350.00 assign label debt as well as countermand it 47% though they module not discernment with a company’s until we am negligent for during slightest 2 months as well as there is no pledge which these company’s module take their offer. we desire to review a stipulate though we hit to indicator up first. Has any one else been screwed by any of these company’s?