I used to think that working with debts was all paperwork, phone calls and stress, and I tried to wait until the last minute, just to avoid dealing with it directly. But one day the debt became unbearable, and it turned out to be very easy to get into a vicious circle. Then I looked for other people's opinions and found a useful thread at https://www.pissedconsumer.com/company/clearone-advantage/customer-service.html , which describes real experience of interacting with a company that helps write off debts. These are not superficial phrases - people share the process, how they were helped, what the nuances were. Thanks to which I was able to assess the situation objectively and make a decision without unnecessary fear.