Aashna D.
Worthwhile as long as you commit to the program
11th October 2024: The company is legit and they have been helping me for the last 2 years with credit card debt payments. Granted that it is a big amount that I have to pay every month, they still helped reduce the amount that I had to pay back. In the beginning I was hesitant (my husband found them, not me), especially when my credit score dropped at first from stopping credit card payments, and it took them time to start paying off the cards. But now my credit score is going back up again, one of the cards has been paid off. They helped me with 2 lawsuits against credit card companies that refused to settle with them. They handled the situation and the only thing I had to do was send letters to the creditors to inform them that Atlas Debt Relief was representing me and to stop harassing me with constant communication but rather reach out to Atlas to arrange a settlement. All my cards are in active payment plans now, and I'm on my way to getting rid of this debt. It wasn't a small amount so it would take time, and they won't do this for free so obviously there's a fee but it's still less than the original debt amount. The only catch is that whatever money I save on the debt (difference between original debt amount and negotiated amount), is considered taxable income by the IRS. But that's more of an IRS issue, rather than an issue with this company. So if you're serious about getting out of debt, and you're willing to give the program some time (given the size of your debt), I would recommend this company.