Some creditors are easier to work with than others are.
However, most creditors will not give you a break unless they know you are really in a financial bind. That is why virtually all creditors work very well with our program. They know if you are serious enough to seek professional help from us that you probably need it. While most agencies could probably be trusted with that information, you may not know if you're talking with the right one. We suggest that for your protection, you never give them out over the phone or over the Internet.